I have a method to process a loan request, it creates a new loan record from form inputs and uses it as a dependency for an API call.

I wrote a test for this method that includes faking an API call like this:

//
Http::fake([config('services.dummy.url').'/v3/transfers' => Http::response([
        'status' => 'success',
        'message' => 'test message',
        'data' => [
            'tx_ref' => $ref,
            'meta' => [
                'user_id' => $user->id,
                'loan_id' => $loan->id,
                'loanProvider_id' => $loanProvider->id,
                'transfer_description' => 'Loan Disbursement',
            ],
        ],
        ], 200),
        config('services.dummy.url').'/v3/transactions/'.$ref.'/verify' => Http::response([
            'status' => 'success',
            'message' => 'test message',
                'meta' => [
                    //
                    'loan_id' => $loan->id,
                    //
                ],
            ],
        ], 200),
    ]);
//

The thing is that I need the loan record for the API call but it’s not created within my test but within the method.

public function processLoanApplication(Request $request, User $user) {
    //
    $loan = $user->loans()->create([//]);
    //
    // API call
    $transferService->disburseLoan($loan);
}

What’s the correct way to set this test up?