---
updatedAt: 2025-11-11T00:09:57.000Z
agentTools:
  projectIndex: https://docs.interswitchgroup.com/v1.1/llms.txt
---

# Get Tenured Offers

This endpoint is to get offers available to a user/customer from a specified Credit Company (Provider) for purchasing items from the specified merchant

### Response Descriptions

| Field # | Field name       | Description                                                                                           |
| ------- | ---------------- | ----------------------------------------------------------------------------------------------------- |
| 1       | responseCode     | The Code representing the result of the request processing.                                           |
| 2       | responseMessage  | The Description of the responseCode.                                                                  |
| 4       | offers           | Arrays of the available offers.                                                                       |
| 4a.     | offerId          |                                                                                                       |
| 4b.     | amountOffered    | The Amount which the Credit Company is ready to loan the customer/user.                               |
| 4c.     | interest         | The Interest Percentage that applies to the loan.                                                     |
| 4d.     | amountPayable    | The Compound Interest which is to be paid by the Customer at the end of the loan tenure.              |
| 4e.     | fees             | Array of the many fees that applied with the offer.                                                   |
| 4f.     | tenure           | The Duration for which the loan is applied. After this duration, the loan is marked as due. (in days) |
| 4g.     | terms            | The Terms and Conditions that applied to the offer.                                                   |
| 4h.     | expiryDate       | The Date and Time at which this offer becomes invalid.(UTC)                                           |
| 4i.     | currency         | The Currency Code of the Amount offered.                                                              |
| 4j.     | description      | The desctiption of the offer. This is what will be displayed to the customer                          |
| 4k.     | type             | The type of offer. Possible values are One-Off and Installmental                                      |
| 4l.     | initialPayment   | The value of the initial payment that will be deducted from the customer                              |
| 4m.     | noOfInstallments | The number of installments the customer will be required to pay                                       |

# OpenAPI definition

```json
{
  "openapi": "3.1.0",
  "info": {
    "title": "ipg",
    "version": "1.1"
  },
  "servers": [
    {
      "url": "https://sandbox.interswitchng.com"
    }
  ],
  "components": {
    "securitySchemes": {
      "sec0": {
        "type": "oauth2",
        "flows": {}
      }
    }
  },
  "security": [
    {
      "sec0": []
    }
  ],
  "paths": {
    "/lending-service/api/v1/tenured-offers?customerId={customerId}&amount={amount}&merchantCode={merchantId}&itemDescription={itemDescription}&bvn={bvn}": {
      "get": {
        "summary": "Get Tenured Offers",
        "description": "",
        "operationId": "get-tenured-offers",
        "parameters": [
          {
            "name": "customerId",
            "in": "query",
            "description": "The Email or Mobile Number of the Customer for which offers are been requested",
            "required": true,
            "schema": {
              "type": "string",
              "default": "2348030583962"
            }
          },
          {
            "name": "amount",
            "in": "query",
            "description": "The Amount of Loan that the customer wishes to take (in Kobo).",
            "required": true,
            "schema": {
              "type": "string",
              "default": "100000"
            }
          },
          {
            "name": "mechantCode",
            "in": "query",
            "description": "The merchant Id",
            "required": true,
            "schema": {
              "type": "string",
              "default": "MX007"
            }
          },
          {
            "name": "itemDescription",
            "in": "query",
            "description": "Description of the item being purchased",
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "bvn",
            "in": "query",
            "description": "The customer’s Bank Verfication Number",
            "required": true,
            "schema": {
              "type": "string",
              "default": "1000000002"
            }
          },
          {
            "name": "providerCode",
            "in": "query",
            "schema": {
              "type": "string",
              "default": "MINES"
            }
          },
          {
            "name": "serviceType",
            "in": "query",
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "Authorization",
            "in": "header",
            "schema": {
              "type": "string",
              "default": "Bearer eyJhbGciOiJSUzI1NiJ9.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.P2mUITLA2bsmMryCyuVwDXK-4ozcRYtEKIN1t-qRPZaUStKleLsgxQxJqXv0EZ0CIYbAECw28AeJmbiBtosVSQ824unhfYTyhRCAt1olO_pNwf6PPmMNVTUO5q7F1b3CQPKP5D3VmNMw3MrHUzTzLwqMMzTIAYWf3V-7TEuHBOVzTsOtmuV-j63qASkFGsn_3x-TwgPVeOZ-INnDtXnSCSwQKG10q0_QE7B-ke2v0Up0vxXJ4wTsX8qWm6sJ5Bn_GU260qNPnVCip93xhzAHv7e__ONfeTMdDVPypQ0lyKgcR0FcBrJqONz6yifuu2BfoGeDkXV1cyZFhZg_xwiFYw"
            }
          },
          {
            "name": "channelCode",
            "in": "query",
            "schema": {
              "type": "string",
              "default": "QTUSSD"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "200",
            "content": {
              "application/json": {
                "examples": {
                  "Result": {
                    "value": "{\n    \"responseCode\": \"00\",\n    \"responseMessage\": \"Offers available\",\n    \"offers\": [\n        {\n            \"offerId\": \"FI12345\",\n            \"amountOffered\": 1000000, // Ten thousand naira only\n            \"interest\" : 12.5 // In percentage: 12.5%\n            \"amountPayable\": 1250000, // Ten thousand, two hundred and fifty naira only\n            \"tenure\": 30,\n            \"expiryDate\": \"2017-05-30T16:49:12Z\"\n            \"currency\": \"566\",\n            \"description\": \"N10,000 to pay back N12,500 in 30 days\"\n        }\n    ]\n}"
                  }
                }
              }
            }
          },
          "400": {
            "description": "400",
            "content": {
              "application/json": {
                "examples": {
                  "Result": {
                    "value": "{}"
                  }
                },
                "schema": {
                  "type": "object",
                  "properties": {}
                }
              }
            }
          }
        },
        "deprecated": false,
        "security": []
      }
    }
  },
  "x-readme": {
    "headers": [],
    "explorer-enabled": true,
    "proxy-enabled": true
  },
  "x-readme-fauxas": true
}
```