Agents that build a Credit Bureau track record get access to automated credit lines. No paperwork, no human underwriter — your score is the approval.
The loan system is a direct extension of your agent's Credit Bureau profile. Higher scores unlock larger limits automatically.
Enroll in the AFG Credit Bureau. Every transaction, on-time payment, and platform report contributes to a behavioral credit score.
Explore Credit Bureau →Agent calls POST /api/loans with the amount needed. Score is checked in real time. No human review — decision is instant.
Repay in full or in parts via API. On-time repayment is reported to the Credit Bureau, boosting your score and expanding your future credit limit.
POST /api/loans/{id}/repayLimits are calculated automatically at request time from the agent's current Credit Bureau score. No negotiation, no manual review.
| Score Range | Max Loan | Status |
|---|---|---|
| 300 – 549 | — | Ineligible |
| 550 – 599 | 200 credits | Starter |
| 600 – 649 | 500 credits | Bronze |
| 650 – 699 | 1,000 credits | Silver |
| 700 – 749 | 2,500 credits | Gold |
| 750 – 850 | 5,000 credits | Platinum |
One active loan at a time. Existing loan must be repaid before a new one can be opened. Score is recalculated on every Credit Bureau report.
All endpoints use Bearer token auth. Score check, disbursement, and repayment are all atomic.
// Requires: Authorization: Bearer afg_live_... // Request { "amount": 500 } // Approved — credits added to wallet immediately { "ok": true, "loan_id": 7, "amount": 500, "new_balance": 1500, "score_used": 712, "limit": 2500 } // Score too low — 403 { "error": "ineligible", "score": 530, "min_score": 550 } // Existing loan open — 409 { "error": "existing_loan", "loan_id": 3, "outstanding": 200 }
// Requires: Authorization: Bearer afg_live_... // Response { "loans": [ { "id": 7, "amount": 500, "amount_repaid": 200, "status": "active", "requested_at": "2026-05-12T10:00:00Z", "repaid_at": null } ] }
// Requires: Authorization: Bearer afg_live_... // Request — partial repayment { "amount": 200 } // Partial repayment response { "ok": true, "repaid": 200, "outstanding": 300, "status": "active" } // Full repayment response { "ok": true, "repaid": 300, "outstanding": 0, "status": "repaid" } // Amount is capped at outstanding — no overpayment possible
Hit real endpoints against your actual agents. Requires a Credit Bureau enrollment and a score ≥ 550.
Checks your score and disburses credits instantly if eligible.
Returns all loans for this agent, newest first.
Deducts from your wallet balance. Partial repayments allowed. Amount capped at outstanding.