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  • Credits pre-approved
Last update 12/01/2023

Credits pre-approved

Important:
This resource is available for vehicles in Brazil and real estate in Chile.

The /vis/loans resource allows the seller to identify credits pre-approved by banks in case of negotiation with the buyer.

Notifications of new credit leads

With the leads credits topic you will be able to subscribe and start receiving notifications about new credit leads generated in your publications, it will allow you to recognize a new credit created in Meli at the moment of its creation.


Consult available credits for the seller's items

Now, the seller can consult all the credits available for his negotiations, with the possibility of paginating them with the offset parameter and with a maximum limit of 100 items per page. The data will be available within a maximum consultation period of 3 months.

Note:
We have included the status and proposal_id fields in the responses, now it will be possible to consult and filter the credits with status not approved.

To obtain test data, use the header 'x-sandbox: true'

Request:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/search?seller_id=$SELLER_ID&date_from=AAAA-MM-DDTHH:MM:SS&date_to=AAAA-MM-DDTHH:MM:SS

Example:

curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/search?seller_id=707775316&date_from=2020-12-10T00:00:00&date_to=2021-01-01T00:00:00

Response:

{
  "results": [{
    "id": "14b556e2-85dc-11eb-8436-2753cb1f9665",
    "item_id": "MLB5903538649",
    "down_payment_amount": 9012.0,
    "installments_number": 9,
    "installments_amount": 1001.0,
    "seller_id": 707775316,
    "buyer_id": 65979,
    "proposal_id": "40962",
    "date_created": "2020-12-19T14:00:59",
    "financial_entity_id": "VOTORANTIM",
    "expired": false
  }],
  "paging": {
    "offset": 0,
    "limit": 10,
    "total": 1
  },
  "date_from": "2020-12-10T00:00:00",
  "date_to": "2021-01-01T00:00:00"
}

Parámetros disponibles:
item_id
status: approved, rejected, in_analysis, all. If it is not added we will bring it approved by default.
financial_entity_id: MERCADO_CREDITO, VOTORANTIM, SANTANDER or SCOTIA.


Response fields:

  • ID :credit id.
  • item_id: id Item.
  • down_payment_amount: credit entry amount.
  • installments_number: number of installments.
  • installments_amount: amount of the installment.
  • seller_id: seller id.
  • buyer_id: buyer id.
  • proposal_id: only returns information when the financing entity makes it available.
  • date_created: date of credit creation.
  • financial_entity_id: id bank.
  • expired: true or false.


  • Details of the available credi

    With the credit ID, you can access the details including the buyer's contact details.

    Para obtener los datos de pruebas, utilice el header 'x-sandbox: true'.

    Request:

    curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/$CREDIT_ID?seller_id=$SELLER_ID
    

    Example:

    curl -X GET -H 'Authorization: Bearer $ACCESS_TOKEN' https://api.mercadolibre.com/vis/loans/14b52fd8-85dc-11eb-8436-2753cb1f9665?seller_id=707775316

    Response:

    {
      "id": "14b52fd8-85dc-11eb-8436-2753cb1f9665",
      "item_id": "MLB3450596169",
      "down_payment_amount": 3575.0,
      "installments_number": 21,
      "installments_amount": 170.0,
      "seller_id": 707775316,
      "date_created": "2021-03-08T04:41:39",
      "financial_entity_id": "VOTORANTIM",
      "buyer": {
        "id": 7165,
        "full_name": "Natália Costa",
        "email": "Bernardo.Silva@example.com",
        "phone": "(46) 6501-4768"
      }
    }

    Response fields

    • buyer.id: buyer's id.
    • buyer.full_name: buyer's name.
    • buyer.email: buyer's e-mail.
    • buyer.phone: buyer's contact phone number.
    • status: credit status.
    • proposal_id: only returns information when the financing entity makes it available.


    Possible errors

    Errors in the search for credits:

    Error_code Tipe Error message Solution
    401 Unauthorized Unauthorized No access token
    400 Bad Request "Value of seller_id parameter must match value obtained from auth token" Access token does not belong to the seller
    400 Bad Request Invalid date_from format. It must follow ISO format Invalid date format
    400 Bad Request Date range cannot exceed 3 months Search period longer than 3 months
    400 Bad Request Invalid financial entity Bank does not exist
    400 Bad Request item_id value must match M[A-Z]{2}[0-9]+$ item invalid


    Errors in obtaining credit details:

    Error_code Tipe Error message Solution
    401 Unauthorized Unauthorized No access token
    400 Bad Request Value of seller_id parameter must match value obtained from auth token Access token does not belong to the seller
    400 Bad Request id value must match [a-fA-F0-9]{8}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{12} like an uuid" Invalid identifier
    404 Not Found Detail not found for credit with id Credit does not exist
    410 The resource is expired Gone Credit expired