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Empréstimos

Criação de empréstimos, assinatura de contrato, desembolso e acompanhamento de parcelas

Operations
Webhooks

Simular empréstimo

Request

POST /credit-offers/{credit_offer_id}/simulations

Simula condições de empréstimo para uma oferta de crédito

Security
bearerAuth
Path
credit_offer_idstring(CreditOfferId)^co_[0-9a-f]{32}$required

ID da oferta de crédito

Example:co_550e8400e29b41d4a716446655440000
Headers
X-Idempotency-Keystring

String única para requisições POST idempotentes. Cache de 24 horas

Bodyapplication/jsonrequired
requested_amountnumberrequired

Valor de saque desejado

Example:25000
installment_countinteger, >= 1required

Número de parcelas desejado

Example:12
curl -X POST https://api.dinie.com/api/v3/credit-offers/co_550e8400e29b41d4a716446655440000/simulations \
  -H "Authorization: Bearer $DINIE_API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "requested_amount": 25000.00,
    "installment_count": 12
  }'

Responses

Simulação criada

Bodyapplication/json
idstring(SimulationId)^sim_[0-9a-f]{32}$required

Identificador único da simulação

Example:"sim_550e8400e29b41d4a716446655440000"
credit_offer_idstring(CreditOfferId)^co_[0-9a-f]{32}$required

Identificador da oferta de crédito simulada

Example:"co_550e8400e29b41d4a716446655440000"
requested_amountnumber, (double)required

Valor que o cliente recebe

Example:25000
principal_amountnumber, (double)required

Valor financiado (solicitado + taxas financiadas)

Example:29375
interest_amountnumber, (double)required

Total de juros cobrados

Example:2614.36
iof_amountnumber, (double)required

Valor do IOF

Example:1875
total_amountnumber, (double)required

Soma de todos os pagamentos de parcelas

Example:31989.36
monthly_interest_ratenumber, (double)required

Taxa de juros mensal (%)

Example:3.5
annual_interest_ratenumber, (double)required

Taxa de juros anual (%, composta a partir da mensal)

Example:51.11
monthly_cet_ratenumber, (double)required

Custo efetivo total mensal (%)

Example:2
annual_cet_ratenumber, (double)required

Custo efetivo total anual (%)

Example:233.18
installment_countintegerrequired

Número de parcelas

Example:4
installment_amountnumber, (double)required

Valor de cada parcela

Example:7997.34
fee_amountnumber, (double)required

Valor da taxa de serviço

Example:2500
first_due_datestringrequired

ISO 8601 · date

Data de vencimento da primeira parcela

Example:"2026-04-03"
created_atinteger, (int64)required

Epoch Unix em segundos

Response
{
  "id": "sim_550e8400e29b41d4a716446655440001",
  "credit_offer_id": "co_550e8400e29b41d4a716446655440000",
  "requested_amount": 25000,
  "principal_amount": 29375,
  "interest_amount": 2614.36,
  "iof_amount": 1875,
  "fee_amount": 2500,
  "total_amount": 31989.36,
  "monthly_interest_rate": 3.5,
  "annual_interest_rate": 51.11,
  "monthly_cet_rate": 2,
  "annual_cet_rate": 233.18,
  "installment_count": 4,
  "installment_amount": 7997.34,
  "first_due_date": "2026-04-03",
  "created_at": 1709548200
}