API Reference›LMS API›Servicing actions›Request a reschedule

Request a reschedule

POSThttps://sandbox.api.lendeasy.ai/v1/rescheduleloans Bearer token · CREATE_RESCHEDULELOAN

Creates a governed reschedule request — grace periods, extra terms, a new interest rate, an adjusted due date, or a recurring moratorium — effective from rescheduleFromDate. The request does not change the schedule until a different user approves it.

Request

curl -X POST https://sandbox.api.lendeasy.ai/v1/rescheduleloans \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: $IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
}'

await fetch(`https://sandbox.api.lendeasy.ai/v1/rescheduleloans`, {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Idempotency-Key": idempotencyKey, "Content-Type": "application/json" },
  body: JSON.stringify({
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
}),
});

requests.post(
  f"https://sandbox.api.lendeasy.ai/v1/rescheduleloans",
  headers={"Authorization": f"Bearer {token}", "Idempotency-Key": idempotency_key},
  json={
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
},
)

{
  "resourceId": 5,
  "loanId": 7204
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "400",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "validation.msg.validation.errors.exist",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "401",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authenticated",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "403",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authorized",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "404",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.resource.not.found",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "409",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "idempotency.request.in.flight",
  "errors": []
}

Path & query parameters

Field	Type	Description
LendEasy-Tenant required in header	string	Tenant selector: lowercase letters, digits, and hyphens, 1-64 characters. Exactly one instance; the only tenant selector honored.
LendEasy-Case optional in header	string	Open servicing-case reference for this borrower. Required on human servicing mutations when case management is enabled; automation never sends it.
Idempotency-Key optional in header	string	Optional stable key (1-50 chars) for this one logical mutation. Replays of a completed request return the original result with x-served-from-cache: true; an in-flight duplicate returns 409 with Retry-After. Omitted keys are server-generated per attempt.

Body parameters

Field	Type	Description
loanId required	integer	Stable opaque loan identifier.
rescheduleFromDate required	string
rescheduleReasonId required	integer
submittedOnDate required	string
graceOnPrincipal required	integer
recalculateInterest required	boolean
rescheduleReasonComment required	string
dateFormat required	string
locale required	string

Request

curl -X POST https://sandbox.api.lendeasy.ai/v1/rescheduleloans \
  -H "Authorization: Bearer $TOKEN" \
  -H "Idempotency-Key: $IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
}'

await fetch(`https://sandbox.api.lendeasy.ai/v1/rescheduleloans`, {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Idempotency-Key": idempotencyKey, "Content-Type": "application/json" },
  body: JSON.stringify({
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
}),
});

requests.post(
  f"https://sandbox.api.lendeasy.ai/v1/rescheduleloans",
  headers={"Authorization": f"Bearer {token}", "Idempotency-Key": idempotency_key},
  json={
  "loanId": 7204,
  "rescheduleFromDate": "2027-09-01",
  "rescheduleReasonId": 61,
  "submittedOnDate": "2027-08-20",
  "graceOnPrincipal": 2,
  "recalculateInterest": true,
  "rescheduleReasonComment": "Temporary income reduction.",
  "dateFormat": "yyyy-MM-dd",
  "locale": "en"
},
)

{
  "resourceId": 5,
  "loanId": 7204
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "400",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "validation.msg.validation.errors.exist",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "401",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authenticated",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "403",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authorized",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "404",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.resource.not.found",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "409",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "idempotency.request.in.flight",
  "errors": []
}