POST/getCustomerAccessSeekerEligibility

Conduct an Access Seeker check to confirm client eligibility and get the rate.

This page is only for a Single Auto Loan application.

Broker APIAuto LoanSingle

TIP

Vehicle details can be fetched from the Glass's Guide endpoint.

TIP

Possible application_status of the result are eligible, not eligible and Not Qualify.

• eligible - Move to the next step
• not eligible - Refer to not_eligible_reason in the response
• Not Qualify - loan_amount need to be reduced until it's eligible

🔑 Authentication

• Bearer Token - Your API token

📝 Content-Type

Request	application/json
Response	application/json

📦 Request Body

product_type Required

'consumer_auto_loan'

The product type of the loan application. This can be fetched from the Get products endpoint

customer_id Required

number

Customer's ID generated by the Generate lead endpoint

hash Required

string

Customer's hash generated by the Generate lead endpoint

access_seeker_authorisation Required

1

Must be accepted to proceed

secured_application Required

1

joint_application Required

0

billing_frequency Required

'fortnightly' | 'weekly' | 'monthly'

loan_purpose Required

Array<object>min: 1|max: 2

An array of loan purposes for the application.
The total loan amount must be between 3,000 and 200,000

loan_purpose Required

'Asset Purchase - Dealer' | 'Asset Purchase Refinance' | 'Asset Purchase - Private Sale'

Must be UNIQUE

payee Required

stringmax: 100

loan_amount Required

numbermin: 3,000|max: 200,000

first_name Required

stringmax: 60

middle_name Optional

stringmax: 60

last_name Required

stringmax: 60

email Required

stringmax: 100

dob Required

YYYY-MM-DD

Applicant's date of birth, and must be at least 18 years old.
E.g. 1991-04-04

gender Required

'm' | 'f' | 'o'

m for Male, f for Female and o for Other

mobile_phone Required

string

E.g. 0491570157

employment_status Required

'casual' | 'other' | 'part_time' | 'permanent' | 'self_employed'

residential_status Required

'boarding_other' | 'boarding_with_parents' | 'mortgaged' | 'other' | 'owner' | 'renting'

length_residence Required

numbermin: 1|max: 999

Length of time at current address in months

current_unit_number Required

string | nullmax: 20

Pass null if the address does not have a unit number

current_street_number Required

stringmax: 20

current_street_name Required

stringmax: 100

current_street_type Required

string

e.g. RD, ST, etc.

current_suburb Required

stringmax: 50

current_postcode Required

stringmin: 1|max: 4

current_state Required

'ACT' | 'NSW' | 'NT' | 'QLD' | 'SA' | 'TAS' | 'VIC' | 'WA'

previous_unit_number Sometimes

string | nullmax: 20

Pass null if the address does not have a unit numberRequired when length_residence < 36

previous_street_number Sometimes

stringmax: 20

Required when length_residence < 36

previous_street_name Sometimes

stringmax: 100

Required when length_residence < 36

previous_street_type Sometimes

string

e.g. RD, ST, etc.Required when length_residence < 36

previous_suburb Sometimes

stringmax: 50

Required when length_residence < 36

previous_postcode Sometimes

stringmin: 1|max: 4

Required when length_residence < 36

previous_state Sometimes

'ACT' | 'NSW' | 'NT' | 'QLD' | 'SA' | 'TAS' | 'VIC' | 'WA'

Required when length_residence < 36

marital_status Required

'de_facto' | 'divorced' | 'married' | 'separated' | 'single' | 'widowed'

dependents Required

numbermin: 0|max: 10

The number of people who rely on the applicant for financial support or care

primary_id_type Required

'driver_licence' | 'passport'

passport_number Sometimes

string

Required when ID type is passport

passport_expiry_date Sometimes

YYYY-MM-DD

Must be between tomorrow and 10 years from now.
E.g. 2033-04-04Required when ID type is passport

driver_licence_number Sometimes

string

Required when ID type is driver_licence

licence_cardnumber Sometimes

string

Required when ID type is driver_licence

driver_licence_origin_state_code Sometimes

'ACT' | 'NSW' | 'NT' | 'QLD' | 'SA' | 'TAS' | 'VIC' | 'WA'

Required when ID type is driver_licence

driver_licence_expires_at Sometimes

YYYY-MM-DD

Must be between tomorrow and 10 years from now.
E.g. 2033-04-04Required when ID type is driver_licence

asset_age_group Required

'used' | 'new' | 'demo'

Must be used if the first loan_purpose is Asset Purchase Refinance

asset_age Sometimes

0 | 1 | 2

0 for 0-23 months, 1 for 3-5 years, 2 for 5+ yearsRequired when asset_age_group is used

security_type Required

'caravan' | 'motor_vehicle' | 'watercraft' | 'trailer' | 'horse_float'

vehicle_search_by_vin Sometimes

boolean

Pass true if you have used the Search vehicle by VIN endpoint to get the VINRequired for motor_vehicle

vehicle_identification_number Sometimes

string

The VIN returned by the Search vehicle by VIN endpointRequired for motor_vehicle if vehicle_search_by_vin is true

manual_entry Sometimes

0 | 1

0 if asset details are fetched from the Glass's Guide endpoint, 1 if the asset details are manually entered.
It MUST be 1 for trailer and horse_floatRequired if NOT motor_vehicle or vehicle_search_by_vin is false

category Sometimes

string

Required for caravan and watercraft, or (motor_vehicle and vehicle_search_by_vin is false)

model_year Sometimes

number

Required if NOT motor_vehicle or vehicle_search_by_vin is false

make Sometimes

string

Required if NOT motor_vehicle or vehicle_search_by_vin is false

family_or_model Sometimes

string

Required for caravan and watercraft, or (motor_vehicle and vehicle_search_by_vin is false)

variant Sometimes

string

Required for caravan and watercraft, or (motor_vehicle and vehicle_search_by_vin is false)

drivetrain Sometimes

string

Required for motor_vehicle and vehicle_search_by_vin is false

series Sometimes

string

Required for caravan and watercraft

axle Sometimes

string

Required for caravan

berths Sometimes

string

Required for caravan

style Sometimes

string

Required for watercraft

registered Sometimes

1

Whether the motorcycle is registered or not.
We only accept registered motorcycle as security asset.Required for motor_vehicle -> motorcycle and vehicle_search_by_vin is false

trade_value Sometimes

number

Required when manual_entry is 1

unspecified Optional

boolean

Default value is false.
Only applicable to Auto Loans for Loan Purpose:
1. Asset Purchase - Dealer
2. Asset Purchase - Private Sale

actual_kms Optional

numbermin: 1|max: 9,999,999

The Vehicle's Actual KM travelled.
Only applicable to Auto Loans of:
1. motor_vehicle type
2. used age group
3. manual_entry is 0

security_source_code Sometimes

string

The source_code returned by the Get vehicle price and source code endpointRequired when vehicle_options is present

vehicle_options Optional

Array<string>

An array of source_code returned by the Get vehicle options endpoint

ℹ️ Examples

Request

Access Seeker Auto Loan

{
  "product_type": "consumer_auto_loan",
  "customer_id": 405635,
  "hash": "BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3",
  "asset_age_group": "demo",
  "secured_application": 1,
  "loan_purpose": [
    {
      "loan_purpose": "Asset Purchase - Private Sale",
      "loan_amount": 15500,
      "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA test test test",
      "description": null
    }
  ],
  "term_in_months": 84,
  "first_name": "ALEGACYPRAH",
  "middle_name": "ALEGACYM",
  "last_name": "PRAHLLEGACYA",
  "gender": "m",
  "dob": "1980-07-01",
  "current_unit_number": null,
  "current_street_number": "10",
  "current_street_name": "VINE",
  "current_street_type": "ST",
  "current_postcode": "3608",
  "current_suburb": "NAGAMBIE",
  "current_state": "VIC",
  "email": "webmaster@nowfinance.com.au",
  "mobile_phone": "0428152233",
  "address": "Testar Grove, Caulfield North VIC, Australia",
  "residential_status": "renting",
  "employment_status": "permanent",
  "length_residence": 56,
  "previous_address": "",
  "previous_unit_number": "",
  "previous_street_number": "test",
  "previous_street_name": "Tester",
  "previous_street_type": "GROVE",
  "previous_postcode": "3161",
  "previous_suburb": "Caulfield North",
  "previous_state": "QLD",
  "marital_status": "single",
  "dependents": "0",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": null,
  "driver_licence_number": "A111111",
  "driver_licence_expires_at": "2024-11-11",
  "driver_licence_origin_state_code": "ACT",
  "access_seeker_authorisation": true,
  "security_type": "motor_vehicle",
  "category": "motorcycle",
  "manual_entry": 0,
  "model_year": "2023",
  "make": "Ajp",
  "family_or_model": "250cc",
  "variant": "Spr250 My22 Enduro",
  "drivetrain": "6 Speed Manual 0.2L 1 4 Stk Sohc 4v L/C",
  "registered": true,
  "series": 15,
  "axle": 25,
  "berths": 50,
  "style": 99,
  "trade_value": "15500",
  "licence_cardnumber": "B111111",
  "security_source_code": "0EW424",
  "vehicle_options": [
    "MP",
    "SLI"
  ]
}

Unspecified is true

{
  "product_type": "consumer_auto_loan",
  "customer_id": 405635,
  "hash": "BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3",
  "asset_age_group": "used",
  "asset_age": 1,
  "secured_application": 1,
  "loan_purpose": [
    {
      "loan_purpose": "Asset Purchase - Private Sale",
      "loan_amount": 15500,
      "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA test test test",
      "description": null
    }
  ],
  "term_in_months": 36,
  "first_name": "ALEGACYPRAH",
  "middle_name": "ALEGACYM",
  "last_name": "PRAHLLEGACYA",
  "gender": "m",
  "dob": "1980-07-01",
  "current_unit_number": null,
  "current_street_number": "10",
  "current_street_name": "VINE",
  "current_street_type": "ST",
  "current_postcode": "3608",
  "current_suburb": "NAGAMBIE",
  "current_state": "VIC",
  "email": "webmaster+74@nowfinance.com.au",
  "mobile_phone": "0428152233",
  "address": "Testar Grove, Caulfield North VIC, Australia",
  "residential_status": "renting",
  "employment_status": "permanent",
  "length_residence": 56,
  "previous_address": "",
  "previous_unit_number": "",
  "previous_street_number": "test",
  "previous_street_name": "Tester",
  "previous_street_type": "GROVE",
  "previous_postcode": "3161",
  "previous_suburb": "Caulfield North",
  "previous_state": "QLD",
  "marital_status": "married",
  "dependents": "0",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": "2024-11-11",
  "driver_licence_number": "A111111",
  "driver_licence_expires_at": "2024-11-11",
  "driver_licence_origin_state_code": "ACT",
  "access_seeker_authorisation": true,
  "security_type": "watercraft",
  "category": "Camper Trailer",
  "manual_entry": "1",
  "trade_value": "15500.00",
  "licence_cardnumber": "B111111",
  "unspecified": true
}

Horse Float Auto Loan

{
  "product_type": "consumer_auto_loan",
  "customer_id": 405635,
  "hash": "BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3",
  "asset_age_group": "used",
  "asset_age": 1,
  "secured_application": 1,
  "loan_purpose": [
    {
      "loan_purpose": "Asset Purchase - Private Sale",
      "loan_amount": 15500,
      "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA test test test",
      "description": null
    }
  ],
  "term_in_months": 84,
  "first_name": "ALEGACYPRAH",
  "middle_name": "ALEGACYM",
  "last_name": "PRAHLLEGACYA",
  "gender": "m",
  "dob": "1980-07-01",
  "current_unit_number": null,
  "current_street_number": "10",
  "current_street_name": "VINE",
  "current_street_type": "ST",
  "current_postcode": "3608",
  "current_suburb": "NAGAMBIE",
  "current_state": "VIC",
  "email": "webmaster@nowfinance.com.au",
  "mobile_phone": "0428152233",
  "address": "Testar Grove, Caulfield North VIC, Australia",
  "residential_status": "renting",
  "employment_status": "permanent",
  "length_residence": 56,
  "previous_address": "",
  "previous_unit_number": "",
  "previous_street_number": "test",
  "previous_street_name": "Tester",
  "previous_street_type": "GROVE",
  "previous_postcode": "3161",
  "previous_suburb": "Caulfield North",
  "previous_state": "QLD",
  "marital_status": "single",
  "dependents": "0",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": null,
  "driver_licence_number": "A111111",
  "driver_licence_expires_at": "2024-11-11",
  "driver_licence_origin_state_code": "ACT",
  "access_seeker_authorisation": true,
  "security_type": "horse_float",
  "category": "motorcycle",
  "manual_entry": 1,
  "model_year": "2023",
  "make": "Ajp",
  "family_or_model": "250cc",
  "variant": "Spr250 My22 Enduro",
  "drivetrain": "6 Speed Manual 0.2L 1 4 Stk Sohc 4v L/C",
  "registered": true,
  "series": 15,
  "axle": 25,
  "berths": 50,
  "style": 99,
  "trade_value": "15500.00",
  "licence_cardnumber": "B111111"
}

Trailer Auto Loan

{
  "product_type": "consumer_auto_loan",
  "customer_id": 405635,
  "hash": "BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3",
  "asset_age_group": "used",
  "asset_age": 1,
  "secured_application": 1,
  "loan_purpose": [
    {
      "loan_purpose": "Asset Purchase - Private Sale",
      "loan_amount": 15500,
      "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA test test test",
      "description": null
    }
  ],
  "term_in_months": 84,
  "first_name": "ALEGACYPRAH",
  "middle_name": "ALEGACYM",
  "last_name": "PRAHLLEGACYA",
  "gender": "m",
  "dob": "1980-07-01",
  "current_unit_number": null,
  "current_street_number": "10",
  "current_street_name": "VINE",
  "current_street_type": "ST",
  "current_postcode": "3608",
  "current_suburb": "NAGAMBIE",
  "current_state": "VIC",
  "email": "webmaster@nowfinance.com.au",
  "mobile_phone": "0428152233",
  "address": "Testar Grove, Caulfield North VIC, Australia",
  "residential_status": "renting",
  "employment_status": "permanent",
  "length_residence": 56,
  "previous_address": "",
  "previous_unit_number": "",
  "previous_street_number": "test",
  "previous_street_name": "Tester",
  "previous_street_type": "GROVE",
  "previous_postcode": "3161",
  "previous_suburb": "Caulfield North",
  "previous_state": "QLD",
  "marital_status": "single",
  "dependents": "0",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": null,
  "driver_licence_number": "A111111",
  "driver_licence_expires_at": "2024-11-11",
  "driver_licence_origin_state_code": "ACT",
  "access_seeker_authorisation": true,
  "security_type": "trailer",
  "category": "motorcycle",
  "manual_entry": 1,
  "model_year": "2023",
  "make": "Ajp",
  "family_or_model": "250cc",
  "variant": "Spr250 My22 Enduro",
  "drivetrain": "6 Speed Manual 0.2L 1 4 Stk Sohc 4v L/C",
  "registered": true,
  "series": 15,
  "axle": 25,
  "berths": 50,
  "style": 99,
  "trade_value": "15500.00",
  "licence_cardnumber": "B111111"
}

Response

✅ 200 (Access Seeker Auto Loan)

{
  "data": {
    "customerId": 405635,
    "hash": "BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3",
    "joint_application": 0,
    "partner_id": "now-finance-direct",
    "loan_purpose": "Asset Purchase - Private Sale",
    "loan_purpose_description": null,
    "loan_amount": "15500.00",
    "app_status": "eligible",
    "interest_rate": "15.45",
    "comparison_rate": "15.45",
    "total_amount_inc_fees": "15500.00",
    "establishment_fee": "0.00",
    "debit_fee": "0.00",
    "repayment_frequency": "Weekly",
    "repayment_amount": "69.65",
    "repayments_count": 364,
    "loan_term": 84,
    "application_number": null,
    "application_status": "eligible",
    "no_of_debts": 0,
    "first_name": "ALEGACYPRAH",
    "last_name": "PRAHLLEGACYA",
    "middle_name": "ALEGACYM",
    "email": "webmaster@nowfinance.com.au",
    "dob": "1980-07-01",
    "gender": "m",
    "mobile": "0428152233",
    "score": 658,
    "cr_score": 628,
    "one_score": 658,
    "nfp_cr_score": 909,
    "nfp_cr_secured_score": 909,
    "marital_status": "single",
    "residential_status": "renting",
    "length_residence": 56,
    "income_frequency": null,
    "dependents": 0,
    "primary_id_type": "driver_licence",
    "id_type": null,
    "employment_status": "permanent",
    "address": "Testar Grove, Caulfield North VIC, Australia",
    "current_unit_number": null,
    "current_street_number": "10",
    "current_street_name": "VINE",
    "current_street_type": "ST",
    "current_suburb": "NAGAMBIE",
    "current_state": "VIC",
    "current_postcode": "3608",
    "previousaddress": null,
    "prevs_unit_number": null,
    "previous_street_number": "test",
    "previous_street_name": "Tester",
    "previous_street_type": "GROVE",
    "previous_suburb": "Caulfield North",
    "previous_state": "QLD",
    "previous_postcode": "3161",
    "partner_first_name": null,
    "partner_middle_name": null,
    "partner_last_name": null,
    "partner_email": null,
    "partner_dob": null,
    "partner_marital_status": null,
    "partner_residential_status": null,
    "partner_length_residence": null,
    "partner_income_frequency": null,
    "partner_current_state": null,
    "partner_current_postcode": null,
    "partner_gender": null,
    "partner_bank_statement_status": false,
    "partner_employment_status": null,
    "partner_employed": null,
    "partner_score": null,
    "partner_cr_score": null,
    "partner_one_score": null,
    "partner_nfp_cr_score": 0,
    "partner_nfp_cr_secured_score": 0,
    "genesis_decline_rules": null,
    "enable_bank_statements_module": true,
    "bank_statement_status": false,
    "secured_application": 1,
    "security_type": "motor_vehicle",
    "engine_number": null,
    "family_or_model": "250cc",
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": "Ajp",
    "category": "motorcycle",
    "vehicle_identification_number": null,
    "actual_kms": null,
    "variant": "Spr250 My22 Enduro",
    "drivetrain": "6 Speed Manual 0.2L 1 4 Stk Sohc 4v L/C",
    "guide_asset_code": null,
    "model_year": 2023,
    "value_determined_by_origination": "15500.00",
    "trailer_registration_jurisdiction": null,
    "trailer_registration_number": null,
    "boat_trailer_description": null,
    "boat_length_metres": null,
    "hull_identification_number": null,
    "body_type_description": null,
    "series": "15",
    "axle": "25",
    "berths": "50",
    "style": "99",
    "manual_entry": 0,
    "date_added": "2024-08-27T12:25:48.000000Z",
    "lead_id": null,
    "network_id": null,
    "dealer_id": null,
    "braze_external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "oe_application_key": null,
    "applicant_oe_hash_key": null,
    "partner_oe_hash_key": null,
    "external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "pcr_id": "vAltlTJtmQElaM89QOHcKLP513Dpp83YX87JW2dV2yqOxGZyRwy27LndHLBD",
    "origination_id": null,
    "origination_user_name": null,
    "braze_partner_external_id": null,
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=vAltlTJtmQElaM89QOHcKLP513Dpp83YX87JW2dV2yqOxGZyRwy27LndHLBD",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=BGbDZcCKWUiASu5keMIyc593VmGLZe1IXT13Vf2vsj7lQg8anKy7VSP1Klg3&",
    "digital_id": {
      "main_result": null,
      "recorded": null,
      "checks": {
        "liveness": null,
        "face_match": null,
        "dvs": null,
        "details_match": null,
        "document_fraud": null
      },
      "attempts_remaining": null,
      "completed_at": null,
      "partner_main_result": null,
      "partner_recorded": null,
      "partner_checks": {
        "liveness": null,
        "face_match": null,
        "dvs": null,
        "details_match": null,
        "document_fraud": null
      },
      "partner_attempts_remaining": null,
      "partner_completed_at": null
    },
    "origination_fee": 0,
    "product_type": "Consumer Asset Loan",
    "loan_contract": {
      "eligibility": false,
      "details": {
        "bank_account": null,
        "repayment_schedule": null
      },
      "loan_progress": {
        "email_verified": {
          "main": false
        },
        "payment_details_uploaded": false,
        "signed_loan_contract": {
          "main": false
        }
      }
    },
    "loan_repayment_options": [
      {
        "loan_term": 18,
        "repayment_frequency": "weekly",
        "repayment_amount": "222.86"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "173.40"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "124.23"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "weekly",
        "repayment_amount": "99.93"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "weekly",
        "repayment_amount": "85.58"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "weekly",
        "repayment_amount": "76.20"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "weekly",
        "repayment_amount": "69.65"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "446.30"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "347.23"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "248.75"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "200.08"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "171.33"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "152.54"
      },
      {
        "loan_term": 84,
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        "repayment_amount": "139.42"
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    ],
    "customer_risk_tier": null,
    "mlops_logs": null,
    "ab_pricing_random_number": null,
    "ab_pricing_partner_code": null,
    "src": null,
    "traffic_source": null,
    "risk_tier_logs": null,
    "not_eligible_reason": null,
    "rate_plan": null,
    "is_direct": true,
    "age_of_credit_file": "59.1",
    "partner_age_of_credit_file": null,
    "loan_purpose_array": [
      {
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        "loan_amount": 15500,
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    ]
  }
}

✅ 200 (Unspecified is true)

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    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "123.96",
    "repayments_count": 156,
    "loan_term": 36,
    "application_number": null,
    "application_status": "eligible",
    "no_of_debts": 0,
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    "last_name": "PRAHLLEGACYA",
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    "email": "webmaster+74@nowfinance.com.au",
    "dob": "1980-07-01",
    "gender": "m",
    "mobile": "0428152233",
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    "cr_score": 628,
    "one_score": 659,
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    "nfp_cr_secured_score": 872,
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    "dependents": 0,
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    "current_street_name": "VINE",
    "current_street_type": "ST",
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    "partner_middle_name": null,
    "partner_last_name": null,
    "partner_email": null,
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    "partner_residential_status": null,
    "partner_length_residence": null,
    "partner_income_frequency": null,
    "partner_current_state": null,
    "partner_current_postcode": null,
    "partner_gender": null,
    "partner_bank_statement_status": false,
    "partner_employment_status": null,
    "partner_employed": null,
    "partner_score": null,
    "partner_cr_score": null,
    "partner_one_score": null,
    "partner_nfp_cr_score": 0,
    "partner_nfp_cr_secured_score": 0,
    "genesis_decline_rules": null,
    "enable_bank_statements_module": true,
    "bank_statement_status": false,
    "secured_application": 1,
    "security_type": "watercraft",
    "engine_number": null,
    "family_or_model": null,
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": null,
    "category": "Camper Trailer",
    "vehicle_identification_number": null,
    "actual_kms": null,
    "variant": null,
    "drivetrain": null,
    "guide_asset_code": null,
    "model_year": null,
    "value_determined_by_origination": "15500.00",
    "trailer_registration_jurisdiction": null,
    "trailer_registration_number": null,
    "boat_trailer_description": null,
    "boat_length_metres": null,
    "hull_identification_number": null,
    "body_type_description": null,
    "series": null,
    "axle": null,
    "berths": null,
    "style": null,
    "manual_entry": 1,
    "date_added": "2024-09-03T05:18:17.000000Z",
    "lead_id": null,
    "network_id": null,
    "dealer_id": null,
    "braze_external_id": "$5$nfVRU1nJyh2dsS$lUsLAKbXC3bVxoFKC6czwH9rs7HV7hHPYW1mAI7ROo3",
    "oe_application_key": null,
    "applicant_oe_hash_key": null,
    "partner_oe_hash_key": null,
    "external_id": "$5$nfVRU1nJyh2dsS$lUsLAKbXC3bVxoFKC6czwH9rs7HV7hHPYW1mAI7ROo3",
    "pcr_id": "G3Tzyq80O9xS1PyIHLaHiOAeYorneTEVV3jKGEFv1lqD0jtRyNe1gIBHcZYJ",
    "origination_id": null,
    "origination_user_name": null,
    "braze_partner_external_id": null,
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=G3Tzyq80O9xS1PyIHLaHiOAeYorneTEVV3jKGEFv1lqD0jtRyNe1gIBHcZYJ",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=ZMoj1AgOhAtnlMKCKcSzJrrdyqPAkqfPxrKNHQCyNujIgdvfnkuge0YJcY1g&",
    "digital_id": {
      "main_result": null,
      "recorded": null,
      "checks": {
        "liveness": null,
        "face_match": null,
        "dvs": null,
        "details_match": null,
        "document_fraud": null
      },
      "attempts_remaining": null,
      "completed_at": null,
      "partner_main_result": null,
      "partner_recorded": null,
      "partner_checks": {
        "liveness": null,
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        "details_match": null,
        "document_fraud": null
      },
      "partner_attempts_remaining": null,
      "partner_completed_at": null
    },
    "origination_fee": 0,
    "product_type": "Auto Loan",
    "loan_contract": {
      "eligibility": false,
      "details": {
        "bank_account": null,
        "repayment_schedule": null
      },
      "loan_progress": {
        "email_verified": {
          "main": false
        },
        "payment_details_uploaded": false,
        "signed_loan_contract": {
          "main": false
        }
      }
    },
    "loan_repayment_options": [
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        "repayment_frequency": "weekly",
        "repayment_amount": "219.70"
      },
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        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "170.18"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "120.88"
      },
      {
        "loan_term": 48,
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        "repayment_amount": "96.45"
      },
      {
        "loan_term": 60,
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        "repayment_amount": "81.97"
      },
      {
        "loan_term": 72,
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        "repayment_amount": "72.46"
      },
      {
        "loan_term": 84,
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        "repayment_amount": "65.79"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "439.91"
      },
      {
        "loan_term": 24,
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        "repayment_amount": "340.74"
      },
      {
        "loan_term": 36,
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        "repayment_amount": "242.02"
      },
      {
        "loan_term": 48,
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        "repayment_amount": "193.09"
      },
      {
        "loan_term": 60,
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        "repayment_amount": "164.09"
      },
      {
        "loan_term": 72,
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        "repayment_amount": "145.04"
      },
      {
        "loan_term": 84,
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        "repayment_amount": "131.67"
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    ],
    "customer_risk_tier": null,
    "mlops_logs": null,
    "ab_pricing_random_number": null,
    "ab_pricing_partner_code": null,
    "src": null,
    "traffic_source": null,
    "risk_tier_logs": null,
    "not_eligible_reason": null,
    "rate_plan": null,
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    "age_of_credit_file": "59.79",
    "partner_age_of_credit_file": null,
    "tier": "Tier 3",
    "balloon_amount": 0,
    "balloon_percentage": "0.00%",
    "broker_commission": "0.00",
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  }
}

✅ 200 (Horse Float Auto Loan)

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    "loan_purpose": "Asset Purchase - Dealer",
    "loan_purpose_description": null,
    "loan_amount": "15500.00",
    "app_status": "eligible",
    "interest_rate": "13.49",
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    "establishment_fee": "395.00",
    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "67.46",
    "repayments_count": 364,
    "loan_term": 84,
    "application_number": null,
    "application_status": "eligible",
    "no_of_debts": 0,
    "first_name": "ALEGACYPRAH",
    "last_name": "PRAHLLEGACYA",
    "middle_name": "ALEGACYM",
    "email": "webmaster@nowfinance.com.au",
    "dob": "1980-07-01",
    "gender": "m",
    "mobile": "0428152233",
    "score": 657,
    "cr_score": 628,
    "one_score": 657,
    "nfp_cr_score": 856,
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    "length_residence": 56,
    "income_frequency": null,
    "dependents": 0,
    "primary_id_type": "driver_licence",
    "id_type": null,
    "employment_status": "permanent",
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    "current_unit_number": null,
    "current_street_number": "10",
    "current_street_name": "VINE",
    "current_street_type": "ST",
    "current_suburb": "NAGAMBIE",
    "current_state": "VIC",
    "current_postcode": "3608",
    "previousaddress": null,
    "prevs_unit_number": null,
    "previous_street_number": "test",
    "previous_street_name": "Tester",
    "previous_street_type": "GROVE",
    "previous_suburb": "Caulfield North",
    "previous_state": "QLD",
    "previous_postcode": "3161",
    "partner_first_name": null,
    "partner_middle_name": null,
    "partner_last_name": null,
    "partner_email": null,
    "partner_dob": null,
    "partner_marital_status": null,
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    "partner_length_residence": null,
    "partner_income_frequency": null,
    "partner_current_state": null,
    "partner_current_postcode": null,
    "partner_gender": null,
    "partner_bank_statement_status": false,
    "partner_employment_status": null,
    "partner_employed": null,
    "partner_score": null,
    "partner_cr_score": null,
    "partner_one_score": null,
    "partner_nfp_cr_score": 0,
    "partner_nfp_cr_secured_score": 0,
    "genesis_decline_rules": null,
    "enable_bank_statements_module": true,
    "bank_statement_status": false,
    "secured_application": 1,
    "security_type": "horse_float",
    "engine_number": null,
    "family_or_model": "250cc",
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": "Ajp",
    "category": "motorcycle",
    "vehicle_identification_number": null,
    "actual_kms": null,
    "variant": "Spr250 My22 Enduro",
    "drivetrain": "6 Speed Manual 0.2L 1 4 Stk Sohc 4v L/C",
    "guide_asset_code": null,
    "model_year": 2023,
    "value_determined_by_origination": "15500.00",
    "trailer_registration_jurisdiction": null,
    "trailer_registration_number": null,
    "boat_trailer_description": null,
    "boat_length_metres": null,
    "hull_identification_number": null,
    "body_type_description": null,
    "series": "15",
    "axle": "25",
    "berths": "50",
    "style": "99",
    "manual_entry": 1,
    "date_added": "2024-08-30T10:28:08.000000Z",
    "lead_id": null,
    "network_id": null,
    "dealer_id": null,
    "braze_external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "oe_application_key": null,
    "applicant_oe_hash_key": null,
    "partner_oe_hash_key": null,
    "external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "pcr_id": "PS7z6uCOFAtUmU8kYE7vXL2FrBcxh2egZqqlZZlNbUtXsQDpaNwDZgoIMxBN",
    "origination_id": null,
    "origination_user_name": null,
    "braze_partner_external_id": null,
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=PS7z6uCOFAtUmU8kYE7vXL2FrBcxh2egZqqlZZlNbUtXsQDpaNwDZgoIMxBN",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=rSBdeXNAEHIHQeeZ1zuBWowlELbpbXai6ZtSA8wYFurcHgR6gtOcpqccp5Lg&",
    "digital_id": {
      "main_result": null,
      "recorded": null,
      "checks": {
        "liveness": null,
        "face_match": null,
        "dvs": null,
        "details_match": null,
        "document_fraud": null
      },
      "attempts_remaining": null,
      "completed_at": null,
      "partner_main_result": null,
      "partner_recorded": null,
      "partner_checks": {
        "liveness": null,
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        "details_match": null,
        "document_fraud": null
      },
      "partner_attempts_remaining": null,
      "partner_completed_at": null
    },
    "origination_fee": 0,
    "product_type": "Consumer Asset Loan",
    "loan_contract": {
      "eligibility": false,
      "details": {
        "bank_account": null,
        "repayment_schedule": null
      },
      "loan_progress": {
        "email_verified": {
          "main": false
        },
        "payment_details_uploaded": false,
        "signed_loan_contract": {
          "main": false
        }
      }
    },
    "loan_repayment_options": [
      {
        "loan_term": 18,
        "repayment_frequency": "weekly",
        "repayment_amount": "219.70"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "170.18"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "120.88"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "weekly",
        "repayment_amount": "96.45"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "weekly",
        "repayment_amount": "81.97"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "weekly",
        "repayment_amount": "72.46"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "weekly",
        "repayment_amount": "65.79"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "439.91"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "340.74"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "242.02"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "193.09"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "164.09"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "145.04"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "131.67"
      }
    ],
    "customer_risk_tier": null,
    "mlops_logs": null,
    "ab_pricing_random_number": null,
    "ab_pricing_partner_code": null,
    "src": null,
    "traffic_source": null,
    "risk_tier_logs": null,
    "not_eligible_reason": null,
    "rate_plan": null,
    "is_direct": true,
    "age_of_credit_file": "59.1",
    "partner_age_of_credit_file": null,
    "loan_purpose_array": [
      {
        "loan_purpose": "Asset Purchase - Dealer",
        "loan_amount": 15500,
        "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA",
        "description": null
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    ]
  }
}

✅ 200 (Trailer Auto Loan)

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    "joint_application": 0,
    "partner_id": "now-finance-direct",
    "loan_purpose": "Asset Purchase - Dealer",
    "loan_purpose_description": null,
    "loan_amount": "15500.00",
    "app_status": "eligible",
    "interest_rate": "13.49",
    "comparison_rate": "14.35",
    "total_amount_inc_fees": "15895.00",
    "establishment_fee": "395.00",
    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "67.46",
    "repayments_count": 364,
    "loan_term": 84,
    "application_number": null,
    "application_status": "eligible",
    "no_of_debts": 0,
    "first_name": "ALEGACYPRAH",
    "last_name": "PRAHLLEGACYA",
    "middle_name": "ALEGACYM",
    "email": "webmaster@nowfinance.com.au",
    "dob": "1980-07-01",
    "gender": "m",
    "mobile": "0428152233",
    "score": 657,
    "cr_score": 628,
    "one_score": 657,
    "nfp_cr_score": 856,
    "nfp_cr_secured_score": 856,
    "marital_status": "single",
    "residential_status": "renting",
    "length_residence": 56,
    "income_frequency": null,
    "dependents": 0,
    "primary_id_type": "driver_licence",
    "id_type": null,
    "employment_status": "permanent",
    "address": "Testar Grove, Caulfield North VIC, Australia",
    "current_unit_number": null,
    "current_street_number": "10",
    "current_street_name": "VINE",
    "current_street_type": "ST",
    "current_suburb": "NAGAMBIE",
    "current_state": "VIC",
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    "prevs_unit_number": null,
    "previous_street_number": "test",
    "previous_street_name": "Tester",
    "previous_street_type": "GROVE",
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    "previous_state": "QLD",
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    "partner_middle_name": null,
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    "partner_dob": null,
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    "partner_residential_status": null,
    "partner_length_residence": null,
    "partner_income_frequency": null,
    "partner_current_state": null,
    "partner_current_postcode": null,
    "partner_gender": null,
    "partner_bank_statement_status": false,
    "partner_employment_status": null,
    "partner_employed": null,
    "partner_score": null,
    "partner_cr_score": null,
    "partner_one_score": null,
    "partner_nfp_cr_score": 0,
    "partner_nfp_cr_secured_score": 0,
    "genesis_decline_rules": null,
    "enable_bank_statements_module": true,
    "bank_statement_status": false,
    "secured_application": 1,
    "security_type": "trailer",
    "engine_number": null,
    "family_or_model": "250cc",
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": "Ajp",
    "category": "motorcycle",
    "vehicle_identification_number": null,
    "actual_kms": null,
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