API Plus

Build a fully customised lending experience where customers see iwoca's offers in your platform. API Plus gives you maximum control over the customer journey, up to the point they select an offer. It often delivers higher conversion than our other integration options.

Prerequisites

Before you begin, make sure you have:

• Access to our Partner Developer Portal, where you can get your API token for the sandbox environment.

Integration steps

API Plus builds on API Lite with one extra step: Get offers, so you can show customers their iwoca loan offers within your app or platform.

1. 1
   Create a customer

   Send your customer's contact information to iwoca.

   POST /customers/

   You'll need:

   • Company details (for example, registration number, name, turnover in last 12 months, VAT status)
   • Applicant details (name, email, phone, address, date of birth)

   Response: You'll receive a customer_id to use in subsequent requests. Store it — you'll need it later.

   See the Customer overview for full field requirements.

2. 2
   Submit an application

   Send your customer's product request information.

   POST /customers/{customer_id}/applications/

   You'll need:

   • Loan amount (£1,000–£1,000,000)
   • Loan duration (optional)
   • Purpose of funds (optional)

   Response: You'll receive an application_id and the application status. Store it — you'll need it later.

   This creates the application, which allows iwoca to start the credit decision. One of our Account Managers will reach out to you or your customer (according to your contact strategy — the agreed plan for who iwoca contacts and how).

   See the Application overview for details.

3. 3
   Get offers

   Retrieve loan offers to display within your platform.

   GET /applications/{application_id}/offers/

   Response: You'll receive available loan offers with details including:

   • Loan amounts and terms.
   • Interest rates and fees (if any).
   • Any further requirements we need the customer to complete.

   Offers can be retrieved at any time and will contain information about any outstanding documentation or next steps.

   See the Offers overview for details.

4. 4
   Redirect the customer

   When your customer chooses an offer, get a login link and redirect them to iwoca, passing the offer they chose.

   GET /customers/{customer_id}/login_link/?offer_id={offer_id}

   Response: You'll receive a single-use login link. Redirect your customer there to continue with the drawdown steps, or to upload additional information if needed.

   See the Login link overview for details.

Next steps