POST/getCustomerAccessSeekerEligibility

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

This page is only for a Single Unsecured Personal Loan application.

Broker APIPersonal LoanSingleUnsecured

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_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

0

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 5,000 and 50,000

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: 5,000|max: 50,000

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

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

ℹ️ Examples

Request

{
  "product_type": "consumer_personal_loan",
  "customer_id": 405877,
  "hash": "5iyQnU7nmmzxpYp6WJC5lvNSNtNDRaLx1jU7YxkWEuJvx5SgjcO6zBbXOuwK",
  "access_seeker_authorisation": 1,
  "joint_application": "0",
  "secured_application": 0,
  "term_in_months": 18,
  "billing_frequency": "weekly",
  "loan_purpose": [
    {
      "loan_purpose": "Home Improvements",
      "payee": "Johny Bravo",
      "loan_amount": "11000.00",
      "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",
  "residential_status": "owner",
  "length_residence": 56,
  "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",
  "marital_status": "single",
  "dependents": "0",
  "primary_id_type": "driver_licence",
  "passport_number": null,
  "passport_expiry_date": null,
  "driver_licence_number": "1111111",
  "licence_cardnumber": "22222222",
  "driver_licence_expires_at": "2024-11-11",
  "driver_licence_origin_state_code": "ACT"
}

Response

✅ 200

{
  "data": {
    "customerId": 405877,
    "hash": "5iyQnU7nmmzxpYp6WJC5lvNSNtNDRaLx1jU7YxkWEuJvx5SgjcO6zBbXOuwK",
    "joint_application": 0,
    "partner_id": "now-finance-direct",
    "loan_purpose": "Home Improvements",
    "loan_purpose_description": null,
    "loan_amount": "11000.00",
    "app_status": "eligible",
    "interest_rate": "22.75",
    "comparison_rate": "22.75",
    "total_amount_inc_fees": "11000.00",
    "establishment_fee": "0.00",
    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "166.69",
    "repayments_count": 78,
    "loan_term": 18,
    "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": "single",
    "residential_status": "owner",
    "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": null,
    "previous_street_name": null,
    "previous_street_type": null,
    "previous_suburb": null,
    "previous_state": null,
    "previous_postcode": null,
    "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": 0,
    "security_type": null,
    "engine_number": null,
    "family_or_model": null,
    "asset_class": null,
    "registration_jurisdiction": null,
    "make": null,
    "category": null,
    "vehicle_identification_number": null,
    "actual_kms": null,
    "variant": null,
    "drivetrain": null,
    "guide_asset_code": null,
    "model_year": null,
    "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": "2024-09-04T07:37:38.000000Z",
    "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": "e9we2Zt5L6oVWy6vTtZDl624jWUQMBuEYKd6Ef0DA3chAzap846KJtkrTqc6",
    "origination_id": null,
    "origination_user_name": null,
    "braze_partner_external_id": null,
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=e9we2Zt5L6oVWy6vTtZDl624jWUQMBuEYKd6Ef0DA3chAzap846KJtkrTqc6",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=5iyQnU7nmmzxpYp6WJC5lvNSNtNDRaLx1jU7YxkWEuJvx5SgjcO6zBbXOuwK&",
    "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": "Unsecured Personal 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": "166.69"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "131.80"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "97.36"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "weekly",
        "repayment_amount": "80.57"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "weekly",
        "repayment_amount": "70.83"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "weekly",
        "repayment_amount": "64.60"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "weekly",
        "repayment_amount": "60.37"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "333.98"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "264.05"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "195.01"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "161.35"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "141.83"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "129.34"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "120.85"
      }
    ],
    "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": "Home Improvements",
        "loan_amount": 11000,
        "payee": "Johny Bravo",
        "description": null
      }
    ]
  }
}

❌ 401 (Unauthenticated)

{
  "message": "Unauthenticated."
}