Read a loan's payoff quotes

curl "https://api.capcells.com/v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes" \
  -H "Authorization: $(capcells_sign "$CAPCELLS_API_KEY" GET /v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes)"

{
  "loan_id": "7771aef0-9e65-4a0a-a902-aab4e970d33f",
  "payoff_quotes": [
    {
      "id": "b41e0a52-1f7c-4a1d-9d0e-0c2f6b8a4e31",
      "quoted_for": "2026-04-13",
      "served_at": "2026-04-13T16:41:07.902244Z",
      "owed": { "minor_units": 787367, "currency": "MXN" },
      "computed_by": {
        "engine": "c45dd7bb8f3901498b2e6fe8da185ff1ee950331",
        "calendar": "94364e4c694519022ac6db0274d1cb07aea422708768b81f8f75507ea1c4373f",
        "country": "36a0213c9989d83f931a5dbb010d474b05e0da9c1a6adc6d3df9735741af97f6"
      }
    }
  ],
  "note": "a recorded quote is evidence of what was said, never authority over what is owed: what discharges the loan today is the payment-options read's answer"
}

{
  "error": "loan: loan not found",
  "code": "not_found"
}

{
  "error": "reading the request: this route does not read the parameter \"on\"",
  "code": "invalid_query"
}

GET

tenants

{tenant_id}

loans

{loan_id}

payoff-quotes

curl "https://api.capcells.com/v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes" \
  -H "Authorization: $(capcells_sign "$CAPCELLS_API_KEY" GET /v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes)"

{
  "loan_id": "7771aef0-9e65-4a0a-a902-aab4e970d33f",
  "payoff_quotes": [
    {
      "id": "b41e0a52-1f7c-4a1d-9d0e-0c2f6b8a4e31",
      "quoted_for": "2026-04-13",
      "served_at": "2026-04-13T16:41:07.902244Z",
      "owed": { "minor_units": 787367, "currency": "MXN" },
      "computed_by": {
        "engine": "c45dd7bb8f3901498b2e6fe8da185ff1ee950331",
        "calendar": "94364e4c694519022ac6db0274d1cb07aea422708768b81f8f75507ea1c4373f",
        "country": "36a0213c9989d83f931a5dbb010d474b05e0da9c1a6adc6d3df9735741af97f6"
      }
    }
  ],
  "note": "a recorded quote is evidence of what was said, never authority over what is owed: what discharges the loan today is the payment-options read's answer"
}

{
  "error": "loan: loan not found",
  "code": "not_found"
}

{
  "error": "reading the request: this route does not read the parameter \"on\"",
  "code": "invalid_query"
}

A payoff quote is a figure the Platform served when you asked it to record what discharges a Loan, recorded with the date it answers for, the moment it was served, and the versions of the three things that computed it. This call answers one Loan’s quotes, oldest first. The record binds nothing. No derivation reads it, no settlement cites it, and the next question about the same Loan and the same date is derived again from the recorded facts. Where a recorded quote and today’s figure disagree, the record is evidence of what was said and today’s figure is what is owed.

A quote is not an offer and this listing is not a price list. A Receipt is settled against the figure the Platform derives on the day it arrives, never against a figure recorded here. A quote you relayed to a borrower two weeks ago may no longer discharge the Loan.

Where a record comes from

You ask for one. When you relay a payoff to a borrower as the figure to pay, record it: the Platform derives the figure exactly as the payment-options read does, records it, and answers it with the record’s id — which the Receipt paying it may name in quote_id. The payment options and the book record nothing. They answer the same figure for a screen, and a screen is drawn far more often than a figure is relayed. A figure the Platform cannot record is not answered: if the write fails, the recording is refused and you receive no figure. A figure that reached you and a figure on the record are the same figure, to the minor unit. The Loan on Quickstart is quoted 787367 (MXN 7,873.67) for 2026-04-13, and the record below is what recording that figure left behind.

Case	Recorded
A recording of the Loan’s payoff on a date	One record
A book read with `include=payoff`, or a payment-options read	Nothing
A recording where the Platform could not produce the payoff figure	Nothing — refused `409` `undeterminable`, the reason the payment options show in `anomalies[]`
The same Loan and the same date recorded twice	Two records — asking again is asking again, and the second answer may differ
A payment-options read, `GET` or `HEAD`	Nothing

Path parameters

string

required

The Tenancy the Loan belongs to. Another Tenancy’s path answers 403.

string

required

The Loan the quotes are about, as the issuance answered it.

Query parameters

integer

default:"50"

How many records to serve, between 1 and 200. A value outside that range is 400, never clamped.

string

Where to resume, returned verbatim from the previous page. A cursor issued for another listing or another Tenancy is refused.

Response

string

required

The Loan the page is about.

array

required

The records, oldest first by served_at. An empty array is a Loan nobody has asked about.

Show quote

string

required

The record’s identifier.

string

required

The date the figure answers for, ISO YYYY-MM-DD. It is the on you named, which may be a date that has not arrived.

string

required

RFC 3339 in UTC: the moment the answer left the Platform. It is a different fact from quoted_for.

object

required

What discharging the Loan on quoted_for would have taken, as minor_units and currency. The total alone: the charges it was made of are a derivation, and the payment-options read still answers them.

object

required

The three versions that produced the figure.

Show computed_by

string

required

The build that served it, as its commit.

string

required

The version of the non-working-day tables that build carries.

string

required

The version of the country registry that build carries.

string

required

One sentence repeating that a recorded quote is evidence and not authority. It is the same sentence on every page of every Loan.

string

Where the next page resumes. It is absent exactly when this page is the end of the listing.

What the three versions name

A derived figure is a function of the recorded facts and of the machinery that read them, and the machinery moves when the Platform is released. The three versions say which part moved.

Version	What it names	What moves it
`engine`	The build that computed the figure	Any release of the Platform
`calendar`	The non-working-day tables that build carries	A release that adds, removes or edits a day
`country`	The country registry that build carries	A release that edits an entry

Two records of one Loan and one date read together answer the question a dispute asks:

The two records	What moved
Different figures, identical versions	The facts. A Receipt, a rollover or a retraction landed between the two questions
Different figures, one version differing	The machinery, and the version that differs names which part
Identical figures, different versions	Nothing that reaches this figure. A release moved something the payoff does not read

Refusals

This route takes no body and reads two query parameters.

Status	When
`400`	The URL carries a parameter this route does not read — it reads `limit` and `cursor` and nothing else — or a `limit` outside 1 to 200
`403`	The key authenticates for another Tenancy
`404`	No such Loan, or it belongs to another Tenancy

Those two are one 404, which is what keeps them indistinguishable from outside. A read-scoped key is enough.

curl "https://api.capcells.com/v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes" \
  -H "Authorization: $(capcells_sign "$CAPCELLS_API_KEY" GET /v1/tenants/capyplazo/loans/7771aef0-9e65-4a0a-a902-aab4e970d33f/payoff-quotes)"

{
  "loan_id": "7771aef0-9e65-4a0a-a902-aab4e970d33f",
  "payoff_quotes": [
    {
      "id": "b41e0a52-1f7c-4a1d-9d0e-0c2f6b8a4e31",
      "quoted_for": "2026-04-13",
      "served_at": "2026-04-13T16:41:07.902244Z",
      "owed": { "minor_units": 787367, "currency": "MXN" },
      "computed_by": {
        "engine": "c45dd7bb8f3901498b2e6fe8da185ff1ee950331",
        "calendar": "94364e4c694519022ac6db0274d1cb07aea422708768b81f8f75507ea1c4373f",
        "country": "36a0213c9989d83f931a5dbb010d474b05e0da9c1a6adc6d3df9735741af97f6"
      }
    }
  ],
  "note": "a recorded quote is evidence of what was said, never authority over what is owed: what discharges the loan today is the payment-options read's answer"
}

{
  "error": "loan: loan not found",
  "code": "not_found"
}

{
  "error": "reading the request: this route does not read the parameter \"on\"",
  "code": "invalid_query"
}

API reference

Product configurations

Markets

Lookup keys

Clients

Merchants

Company profile

Credit policy

Credit decisions

Facilities

Loans

Loan actions

Receipts

Sources

Read a loan's payoff quotes

Where a record comes from

Path parameters

Query parameters

Response

What the three versions name

Refusals

​Where a record comes from

​Path parameters

​Query parameters

​Response

​What the three versions name

​Refusals

Where a record comes from

Path parameters

Query parameters

Response

What the three versions name

Refusals