> ## Documentation Index
> Fetch the complete documentation index at: https://autoloans.liquidity.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

<img src="https://mintcdn.com/satschel-414bc7b9/kq6AahClKpu9GvZy/images/loan-lifecycle-banner.png?fit=max&auto=format&n=kq6AahClKpu9GvZy&q=85&s=affb4f40eb00d3e5f58f37ee5016bc53" alt="Loan Lifecycle Banner" width="1536" height="1024" data-path="images/loan-lifecycle-banner.png" />

# Welcome to the Loan Service API documentation

## Overview

Our APIs provide secure, programmable access for managing the end-to-end lifecycle of loan servicing.
Built for financial institutions and fintech platforms, they enable you to:

* Create, underwrite, and fund digital loans
* Track repayment schedules and outstanding balances
* Monitor borrower risk and delinquency
* Handle collateral and repayment workflows securely
* Access detailed borrower identity (PII) and credit metadata where applicable

Whether you're building an internal servicing dashboard, integrating with a credit scoring engine, or creating borrower-facing interfaces, our API ensures compliant and secure loan data handling.

***

## 🔗 Quick Links

| Endpoint                                                                         | Description                        |
| -------------------------------------------------------------------------------- | ---------------------------------- |
| [`POST /loans`](/api-reference/loans/post-loans)                                 | Create a new loan                  |
| [`GET /loans/{loan_id}`](/api-reference/loans/get-loan)                          | Get loan data with PII             |
| [`GET /loan-data/{loan_id}`](/api-reference/loans/get-public-loan-data)          | Get public loan data only (no PII) |
| [`POST /initiate-repayment`](/api-reference/loans/post-initiate-repayment)       | Initiate the repayment cycle       |
| [`POST /loan-repay`](/api-reference/loans/post-loan-repay)                       | Submit a repayment                 |
| [`POST /acknowledge-repayment`](/api-reference/loans/post-acknowledge-repayment) | Confirm repayment completion       |
| [`POST /start-underwriting`](/api-reference/loans/post-start-underwriting)       | Start the underwriting phase       |
| [`POST /complete-underwriting`](/api-reference/loans/post-complete-underwriting) | Finalize underwriting decision     |

***

## 🔍 Public vs PII Endpoint Comparison

| Endpoint                   | Returns Public Loan Data | Returns Borrower PII | Intended Use                                    |
| -------------------------- | ------------------------ | -------------------- | ----------------------------------------------- |
| `GET /loan-data/{loan_id}` | ✅ Yes                    | ❌ No                 | External dashboards, analytics, marketplaces    |
| `GET /loans/{loan_id}`     | ✅ Yes                    | ✅ Yes                | Internal servicing, support teams, audit trails |

***

## API Endpoints

Explore our full API reference to seamlessly integrate loan servicing capabilities into your application.

<Card title="Loan Service Endpoints" icon="briefcase" href="/api-reference/loans/get-loan">
  Get started with our API
</Card>

## Authentication

All API endpoints are authenticated using Bearer tokens and picked up from the specification file.

```json theme={null}
"security": [
  {
    "bearerAuth": []
  }
]
```

To obtain an API key, please contact our support team.

### API Playground Authentication

When using the API playground in this documentation:

1. Click the "Headers" button below the endpoint URL
2. Add a new header with key `key` and value `your_api_key_here`

### Authentication APIs

Use the following endpoint to manage access:

* [`POST /auth-token`](/api-reference/auth/post-auth-token): Exchange credentials for a bearer token