# Norvik Bank — Wrapped API

> **You are on:** `https://api.paywithlocus.com/api` | [llms.txt](https://paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Browse current loan offerings from Norvik Bank, including interest rates, loan amounts, terms, fees, insurance coverage, and collateral requirements. Compare detailed loan products to find the best financing option for your needs.

**Category:** Finance & Markets | **Website:** [norvikbank.ru/retail/credits/potrebitelskiy_kredit/](https://norvikbank.ru/retail/credits/potrebitelskiy_kredit/) | **Docs:** [parse.bot/marketplace/023c5c03-873b-4c73-a6a1-9fba859ff843/norvikbank-ru-api](https://parse.bot/marketplace/023c5c03-873b-4c73-a6a1-9fba859ff843/norvikbank-ru-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/credits/norvik-bank/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get loan details

Fetches detailed conditions for a specific loan product by its URL path. Returns interest rate, loan amounts, term, fees, insurance, collateral, and other conditions for one loan. The loan_url must be a valid path from get_loan_products results.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `loan_url` | string | Yes | URL path of the loan product page. Valid paths: /retail/credits/potrebitelskiy_kredit/, /retail/credits/secured-loan/, /retail/credits/refinancing/, /retail/credits/car-loan/, /retail/credits/house-building/ |
| `region` | string | No | Region code for localized content. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/norvik-bank/get-loan-details \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"loan_url":"<string>","region":"<string>"}'
```

### Get loan products

Fetches all available loan products from Norvik Bank with their full conditions including interest rates, amounts, terms, fees, insurance requirements, and collateral. Returns 5 loan types: consumer credit, secured loan, refinancing, car loan, and house building loan. Each product includes a URL path usable with get_loan_details for the same data in a single-product call.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `region` | string | No | Region code for localized content. |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/norvik-bank/get-loan-products \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"region":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://paywithlocus.com/agent/index.md): every Locus agent page.