Webhook event: loan.restructured

When it fires

loan.restructured is emitted when a loan’s terms are restructured (e.g. a payment plan). A redelivery of the same occurrence carries the same event id.

If your endpoint does not return a 2xx within the timeout, delivery is retried on an exponential backoff schedule — see Webhook delivery and retries. Design your handler to be idempotent so a redelivered event is safe to process twice.

Example delivery

{
  "id": "evt_LOAN9Z",
  "type": "loan.restructured",
  "created": "2026-07-05T12:00:00Z",
  "livemode": true,
  "api_version": "2026-07-01",
  "data": {
    "object": {
      "id": "loan_2K9P4",
      "status": "active",
      "restructure_reason": "payment_plan"
    }
  }
}

Handling it

A common handler will update the displayed schedule and balance. Verify the signature, acknowledge with 200 within 10 seconds, then work asynchronously. Guard against out-of-order delivery using the created timestamp, and re-fetch the resource from the API if you need its live state.