Steps
The pre-loan request process has several possible steps that indicate the current state of the request. Here are the available steps:
Step Flow
The typical flow of steps is:
- READY_FOR_LOAN
- PAYMENT_SUBSCRIPTION
- AUTHORIZATION
If any step fails, the request will move to ARCHIVED_FAIL.
| Step | Description | Details |
|---|---|---|
| - | The widget has been initialized withour pre-evaluation. | At this stage, the widget will show the step where the user needs to input their ID (RUT). |
| READY_FOR_LOAN | The customer has been pre-approved and is ready to proceed with the loan process. | At this stage, the widget will load and display installment options. |
| PAYMENT_SUBSCRIPTION | The customer has authorized the loan and is in the process of setting up the payment subscription. | In this step the user needs to configure an automatic payment (PAC - Pago Automatico de Cuentas) through their bank by using our integration with Fintoc. |
| AUTHORIZATION | The customer is in the process of authorizing the loan. | At this step the user needs to verify their phone and email. If it is the first time the user needs to sign contracts using their email through Zapsign. |
| ARCHIVED_FAIL | The pre-loan request has been archived due to a failure in the process. | Possible reasons include: - Customer rejection - Failed validation - System errors - Timeout |
Step Handling
Make sure to handle each step appropriately in your application to provide the best user experience and ensure the loan process continues smoothly.