---
updatedAt: 2025-11-11T00:31:53.000Z
agentTools:
  projectIndex: https://docs.interswitchgroup.com/llms.txt
---

# Value Financing

This solution enables customers to purchase now and pay later using loans from the Lenders on the Interswitch Lending Platform.

Value Financing is a feature on Interswitch Lending Service that enables customers to make purchase (e.g airtime, bills, phones etc ) on credit.

![](https://files.readme.io/ea30225-vf.png "vf.png")

> 📘 Please Note:
>
> You need to have these endpoints defined on your application - [Get Tenured Offers](https://docs.interswitchgroup.com/reference/get-tenured-offers), [Accept Tenured Offer](https://docs.interswitchgroup.com/reference/accept-tenured-offer), [Value Financing Transaction Notification](https://docs.interswitchgroup.com/reference/value-financing-transaction-notification-1).

## Process Flow

**Step 1:  Fetch the loan offer**

Use the  [Get Tenured Offers](https://docs.interswitchgroup.com/reference/get-tenured-offers) to retrieve loan offers from a designated credit company. This enables the customer to obtain a loan offer for their purchase.

**Step 2: Get the customer details**

Upon receiving the offer request, use the [Get Customer Information endpoint](https://docs.interswitchgroup.com/reference/get-customer-information) to fetch the customer's information and confirm their eligibility for a loan.

**Step 3: Return on offer to the customer**

After validating and confirming eligibility, provide the customer with an offer. If the customer accepts your offer, initiate an  [Accept Tenured Offer](https://docs.interswitchgroup.com/reference/accept-tenured-offer)  request.

**Step 4: Verify customer account number**

During the process of accepting the tenured offer, validate the customer's bank account by making a call to the [verify account number endpoint](https://docs.interswitchgroup.com/reference/name-inquiry-by-account)

**Step 5: Inform the customer of the loan approval**

If the verification of the customer account number is successful,  send a message using the [send sms endpoint](https://docs.interswitchgroup.com/reference/send-sms) to the customer informing them of the approval.

**Step 6:  Get the final  transaction status**

Verify the final status of the loan by using the  [Value Financing Transaction Notification](https://docs.interswitchgroup.com/reference/value-financing-transaction-notification-1). This notification informs you(the lender) of the successful transaction, allowing you to finalize and open the loan.