# Loans (Direct Debit Mexico)

Use the Loans resource to register and track loan portfolio snapshots for direct debit customers. Each snapshot captures the current state of a customer's debt.

Each snapshot is uniquely identified by `merchantCustomerId` + `targetCollectionDate`, where `targetCollectionDate` is the date Belvo will attempt to collect payment — set automatically to either the day that the request was made or the next business day in Mexico. You can only POST one snapshot per customer per day; a duplicate request on the same calendar day returns a `409 Conflict`.


## Create a loan snapshot

 - [POST /loans](https://developers.belvo.com/apis/belvopaymentsmexico/loans-(direct-debit-mexico)/createdirectdebitloan.md): Create a new loan snapshot for a customer. Each successful request registers the snapshot with a target collection date, set to the same day or the next Mexico business day, and Belvo attempts collection on that date. The response returns the id of the newly created snapshot.

The amount collected is not taken from this request. It is calculated by the collection strategy Belvo applies to your loans, based on the totalBalance you send, and a single loan can result in more than one collection attempt. When a collection attempt completes, Belvo sends a webhook notification with the outcome.

## List all loan snapshots

 - [GET /loans](https://developers.belvo.com/apis/belvopaymentsmexico/loans-(direct-debit-mexico)/listdirectdebitloans.md): List and filter loan history snapshots associated with your account.

## Get a loan snapshot's details

 - [GET /loans/{id}](https://developers.belvo.com/apis/belvopaymentsmexico/loans-(direct-debit-mexico)/detaildirectdebitloan.md): Get the details of a specific loan history snapshot.