POST/getCustomerAccessSeekerEligibility

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

This page is only for a Joint Secured Personal Loan application.

Broker APIPersonal LoanJointSecured

TIP

Properties starting with partner_ are for the partner's details.

TIP

Security asset's 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

'joint_secured_personal_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

0

joint_application Required

1

term_in_months Required

18 | 24 | 36 | 48 | 60 | 72 | 84

Loan term in months.
Can only be 18, 24 or 36 when total loan amount is less than 8,000

billing_frequency Required

'fortnightly' | 'weekly'

Repayment frequency

loan_purpose Required

Array<object>min: 1|max: 4

An array of loan purposes for the application.
The total loan amount must be between 15,000 and 100,000

loan_purpose Required

'NOW Loan Refinance' | 'Autoupgrade' | 'Boat Purchase' | 'Car Purchase' | 'Car Repairs' | 'Caravan Purchase' | 'Debt Consolidation' | 'Dental Expenses' | 'Educational Expenses' | 'Funeral Expenses' | 'Home Improvements' | 'Household Furnishings' | 'Other Vehicle Purchase' | 'Medical Expenses' | 'Mortgage Cost Funding' | 'Sporting Equipment' | 'Travel' | 'Wedding Expenses' | 'Other'

payee Required

stringmax: 100

loan_amount Required

numbermin: 15,000|max: 100,000

description Sometimes

stringmax: 100

Required when loan_purpose is Other

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

partner_first_name Required

stringmax: 60

partner_middle_name Optional

stringmax: 60

partner_last_name Required

stringmax: 60

partner_email Required

stringmax: 100

partner_gender Required

'm' | 'f' | 'o'

m for Male, f for Female and o for Other

partner_dob Required

YYYY-MM-DD

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

partner_mobile_phone Required

string

E.g. 0491570157

employment_status Required

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

partner_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 number

Required 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

partner_length_residence Required

numbermin: 1|max: 999

Length of time at current address in months for the partner

partner_current_unit_number Required

string | nullmax: 20

Must be the same as current_unit_number

partner_current_street_number Required

stringmax: 20

Must be the same as current_street_number

partner_current_street_name Required

stringmax: 100

Must be the same as current_street_name

partner_current_street_type Required

string

Must be the same as current_street_type

partner_current_suburb Required

stringmax: 50

Must be the same as current_suburb

partner_current_postcode Required

stringmin: 1|max: 4

Must be the same as current_postcode

partner_current_state Required

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

Must be the same as current_state

partner_previous_unit_number Sometimes

string | nullmax: 20

Pass null if the address does not have a unit number

When partner_length_residence < 36

partner_previous_street_number Sometimes

stringmax: 20

When partner_length_residence < 36

partner_previous_street_name Sometimes

stringmax: 100

When partner_length_residence < 36

partner_previous_street_type Sometimes

string

e.g. RD, ST, etc.

When partner_length_residence < 36

partner_previous_suburb Sometimes

stringmax: 50

When partner_length_residence < 36

partner_previous_postcode Sometimes

stringmin: 1|max: 4

When partner_length_residence < 36

partner_previous_state Sometimes

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

When partner_length_residence < 36

marital_status Required

'de_facto' | 'married'

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. 2033-04-04

Required 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. 2033-04-04

Required when ID type is driver_licence

partner_primary_id_type Required

'driver_licence' | 'passport'

partner_passport_number Sometimes

string

Required when Partner's ID type is passport

partner_passport_expiry_date Sometimes

YYYY-MM-DD

Must be between tomorrow and 10 years from now.
E.g. 2033-04-04

Required when Partner's ID type is passport

partner_driver_licence_number Sometimes

string

Required when Partner's ID type is driver_licence

partner_licence_cardnumber Sometimes

string

Required when Partner's ID type is driver_licence

partner_driver_licence_origin_state_code Sometimes

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

Required when Partner's ID type is driver_licence

partner_driver_licence_expires_at Sometimes

YYYY-MM-DD

Must be between tomorrow and 10 years from now.
E.g. 2033-04-04

Required when Partner's ID type is driver_licence

security_type Required

'caravan' | 'motor_vehicle' | 'watercraft'

vehicle_search_by_vin Sometimes

boolean

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

Required for motor_vehicle

vehicle_identification_number Sometimes

string

The VIN returned by the Search vehicle by VIN endpoint

Required 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

Required if NOT motor_vehicle or vehicle_search_by_vin is false

category Sometimes

string

Required if NOT motor_vehicle or 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 if NOT motor_vehicle or vehicle_search_by_vin is false

variant Sometimes

string

Required if NOT motor_vehicle or 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

ℹ️ Examples

Request

{
  "product_type": "joint_secured_personal_loan",
  "customer_id": 405882,
  "hash": "uFcXFKvz0iqGIdIFZlOGclQzeoabXFkOrdMn0wbyywRmuQoTDekYVtiEJFy9",
  "access_seeker_authorisation": 1,
  "joint_application": 1,
  "secured_application": 1,
  "term_in_months": 36,
  "billing_frequency": "weekly",
  "loan_purpose": [
    {
      "loan_purpose": "Car Purchase",
      "payee": "Johny Bravo",
      "loan_amount": "15000.00",
      "description": ""
    }
  ],
  "first_name": "Jhony",
  "middle_name": "",
  "last_name": "Bravo",
  "email": "webmaster@nowfinance.com.au",
  "dob": "1980-07-01",
  "gender": "m",
  "mobile_phone": "0428152233",
  "employment_status": "permanent",
  "length_residence": 60,
  "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",
  "residential_status": "owner",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": null,
  "driver_licence_number": "1111111",
  "licence_cardnumber": "22222222",
  "driver_licence_expires_at": "2030-11-11",
  "driver_licence_origin_state_code": "ACT",
  "marital_status": "married",
  "dependents": "0",
  "partner_first_name": "Jenny",
  "partner_middle_name": "",
  "partner_last_name": "Bravo",
  "partner_email": "webmaster02@nowfinance.com.au",
  "partner_gender": "f",
  "partner_dob": "1980-07-01",
  "partner_mobile_phone": "0428152244",
  "partner_length_residence": 60,
  "partner_employment_status": "permanent",
  "partner_current_unit_number": null,
  "partner_current_street_number": "10",
  "partner_current_street_name": "VINE",
  "partner_current_street_type": "ST",
  "partner_current_postcode": "3608",
  "partner_current_suburb": "NAGAMBIE",
  "partner_current_state": "VIC",
  "partner_primary_id_type": "driver_licence",
  "partner_passport_number": null,
  "partner_passport_expiry_date": null,
  "partner_driver_licence_number": "12415145",
  "partner_licence_cardnumber": "12415145",
  "partner_driver_licence_expires_at": "2030-12-12",
  "partner_driver_licence_origin_state_code": "ACT",
  "security_type": "motor_vehicle",
  "manual_entry": 0,
  "asset_age_group": "new",
  "asset_age": null,
  "category": "passenger",
  "model_year": 2023,
  "make": "Toyota",
  "family_or_model": "Camry",
  "variant": "Ascent Axva70r 4d Sedan",
  "drivetrain": "8 Sp Automatic 2.5L 4 Multi Point F/Inj"
}

Response

✅ 200

{
  "data": {
    "customerId": 405882,
    "hash": "uFcXFKvz0iqGIdIFZlOGclQzeoabXFkOrdMn0wbyywRmuQoTDekYVtiEJFy9",
    "joint_application": 1,
    "partner_id": "now-finance-direct",
    "loan_purpose": "Car Purchase",
    "loan_purpose_description": null,
    "loan_amount": "15000.00",
    "app_status": "eligible",
    "interest_rate": "18.75",
    "comparison_rate": "18.75",
    "total_amount_inc_fees": "15000.00",
    "establishment_fee": "0.00",
    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "125.80",
    "repayments_count": 156,
    "loan_term": 36,
    "application_number": null,
    "application_status": "eligible",
    "no_of_debts": 0,
    "first_name": "Jhony",
    "last_name": "Bravo",
    "middle_name": null,
    "email": "webmaster@nowfinance.com.au",
    "dob": "1980-07-01",
    "gender": "m",
    "mobile": "0428152233",
    "score": -3300,
    "cr_score": -3300,
    "one_score": -3300,
    "nfp_cr_score": 0,
    "nfp_cr_secured_score": 0,
    "marital_status": "married",
    "residential_status": "owner",
    "length_residence": 60,
    "income_frequency": null,
    "dependents": 0,
    "primary_id_type": "driver_licence",
    "id_type": null,
    "employment_status": "permanent",
    "address": null,
    "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": null,
    "previous_street_name": null,
    "previous_street_type": null,
    "previous_suburb": null,
    "previous_state": null,
    "previous_postcode": null,
    "partner_first_name": "Jenny",
    "partner_middle_name": null,
    "partner_last_name": "Bravo",
    "partner_email": "webmaster02@nowfinance.com.au",
    "partner_dob": "1980-07-01",
    "partner_marital_status": "married",
    "partner_residential_status": "owner",
    "partner_length_residence": 60,
    "partner_income_frequency": null,
    "partner_current_state": "VIC",
    "partner_current_postcode": "3608",
    "partner_gender": "f",
    "partner_bank_statement_status": false,
    "partner_employment_status": "permanent",
    "partner_employed": null,
    "partner_score": -3300,
    "partner_cr_score": -3300,
    "partner_one_score": -3300,
    "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": "Camry",
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": "Toyota",
    "category": "passenger",
    "vehicle_identification_number": null,
    "actual_kms": null,
    "variant": "Ascent Axva70r 4d Sedan",
    "drivetrain": "8 Sp Automatic 2.5L 4 Multi Point F/Inj",
    "guide_asset_code": null,
    "model_year": 2023,
    "value_determined_by_origination": null,
    "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": 0,
    "date_added": "2024-09-05T00:21:02.000000Z",
    "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": "jYU0npXvhaR8Rb8XxoEnq7Mdv0WQZ0jjJdrohp1dS780FUTL4edekkNe53GJ",
    "origination_id": null,
    "origination_user_name": null,
    "braze_partner_external_id": "$5$nfVRU1nJyh2dsS$wzCAgD/17zkaRrlAjRmpICS/b7VC9od44gBQzZDgjW9",
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=jYU0npXvhaR8Rb8XxoEnq7Mdv0WQZ0jjJdrohp1dS780FUTL4edekkNe53GJ",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=uFcXFKvz0iqGIdIFZlOGclQzeoabXFkOrdMn0wbyywRmuQoTDekYVtiEJFy9&",
    "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": "Joint Secured Personal Loan",
    "loan_contract": {
      "eligibility": false,
      "details": {
        "bank_account": null,
        "repayment_schedule": null
      },
      "loan_progress": {
        "email_verified": {
          "main": false,
          "partner": false
        },
        "payment_details_uploaded": false,
        "signed_loan_contract": {
          "main": false,
          "partner": false
        }
      }
    },
    "loan_repayment_options": [
      {
        "loan_term": 18,
        "repayment_frequency": "weekly",
        "repayment_amount": "220.88"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "173.13"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "125.80"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "weekly",
        "repayment_amount": "102.54"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "weekly",
        "repayment_amount": "88.90"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "weekly",
        "repayment_amount": "80.06"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "weekly",
        "repayment_amount": "73.96"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "442.44"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "346.78"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "251.94"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "205.33"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "177.99"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "160.28"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "148.06"
      }
    ],
    "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": null,
    "partner_age_of_credit_file": null,
    "tier": "",
    "balloon_amount": 0,
    "balloon_percentage": "0.00%",
    "broker_commission": "0.00",
    "loan_purpose_array": [
      {
        "loan_purpose": "Car Purchase",
        "loan_amount": 15000,
        "payee": "Johny Bravo",
        "description": null
      }
    ]
  }
}

❌ 401 (Unauthenticated)

{
  "message": "Unauthenticated."
}