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POST/customerApplicationSubmission
​

Submit the application to credit for decision.

This page is only for a Joint Personal Loan application.

Broker APIPersonal LoanJoint

TIP

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

🔑 Authentication ​

📝 Content-Type ​

Request
application/json
Response
application/json

📦 Request Body ​

customer_id Required
number
Customer's ID
hash Required
string
Customer's hash
duration_months Sometimes
numbermin: 1|max: 999
Employment duration in monthsRequired when employment_status is NOT other
job_description Sometimes
stringmax: 100
Required when employment_status is NOT other
employer_name Sometimes
stringmax: 100
Required when employment_status is NOT other
employer_primary_contact_phone_number Sometimes
string
Required when employment_status is NOT self_employed or other
employer_australian_business_number Sometimes
string
Required when employment_status is self_employed
other_employment_description Sometimes
stringmax: 100
Required when employment_status is other
previous_employment_status Sometimes
'casual' | 'other' | 'part_time' | 'permanent' | 'self_employed'
Required when employment_status is NOT other and duration_months < 18
previous_duration_months Sometimes
numbermin: 1|max: 999
Employment duration in months for the previous jobRequired when employment_status is NOT other and duration_months < 18
previous_job_description Sometimes
stringmax: 100
Required when employment_status is NOT other and duration_months < 18
previous_employer_name Sometimes
stringmax: 100
Required when employment_status is NOT other and duration_months < 18
previous_employer_primary_contact_phone_number Sometimes
string
Required when employment_status is NOT self_employed or other and duration_months < 18
previous_employer_australian_business_number Sometimes
string
Required when employment_status is self_employed and duration_months < 18
previous_other_employment_description Sometimes
string
Required when employment_status is other and duration_months < 18
partner_duration_months Sometimes
numbermin: 1|max: 999
Employment duration in months for the partnerRequired when partner_employment_status is NOT other
partner_job_description Sometimes
stringmax: 100
Required when partner_employment_status is NOT other
partner_employer_name Sometimes
stringmax: 100
Required when partner_employment_status is NOT other
partner_employer_primary_contact_phone_number Sometimes
string
Required when partner_employment_status is NOT self_employed or other
partner_employer_australian_business_number Sometimes
string
Required when partner_employment_status is self_employed
partner_other_employment_description Sometimes
stringmax: 100
Required when partner_employment_status is other
partner_previous_employment_status Sometimes
'casual' | 'other' | 'part_time' | 'permanent' | 'self_employed'
Required when partner_employment_status is NOT other and partner_duration_months < 18
partner_previous_duration_months Sometimes
numbermin: 1|max: 999
Employment duration in months for the partner's previous jobRequired when partner_employment_status is NOT other and partner_duration_months < 18
partner_previous_job_description Sometimes
stringmax: 100
Required when partner_employment_status is NOT other and partner_duration_months < 18
partner_previous_employer_name Sometimes
stringmax: 100
Required when partner_employment_status is NOT other and partner_duration_months < 18
partner_previous_employer_primary_contact_phone_number Sometimes
string
Required when partner_employment_status is NOT self_employed or other and partner_duration_months < 18
partner_previous_employer_australian_business_number Sometimes
string
Required when partner_employment_status is self_employed and partner_duration_months < 18
partner_previous_other_employment_description Sometimes
string
Required when partner_employment_status is other and partner_duration_months < 18
incomes Required
Array<object>min: 1
An array of incomes for the main applicant
income_type Required
'payg' | 'other' | 'self_employed' | 'government_benefit' | 'investment_property_rent' | 'income_protection_work_cover'
income_amount Required
numbermin: 1
income_frequency Required
'fortnightly' | 'monthly' | 'weekly'
description Sometimes
string
required when income_type is other
sales_incentive_commission Optional
numbermin: 0|max: 99
The percentage of the income that is from sales incentives or commissions.
It must be no more than 99% when combined with annual_bonus
annual_bonus Optional
numbermin: 0|max: 99
The percentage of the income that is from annual bonus.
It must be no more than 99% when combined with sales_incentive_commission
partner_incomes Required
Array<object>min: 1
An array of incomes for the partner
income_type Required
'payg' | 'other' | 'self_employed' | 'government_benefit' | 'investment_property_rent' | 'income_protection_work_cover'
income_amount Required
numbermin: 1
income_frequency Required
'fortnightly' | 'monthly' | 'weekly'
description Sometimes
string
required when income_type is other
partner_sales_incentive_commission Optional
numbermin: 0|max: 99
The percentage of the income that is from sales incentives or commissions.
It must be no more than 99% when combined with partner_annual_bonus
partner_annual_bonus Optional
numbermin: 0|max: 99
The percentage of the income that is from annual bonus.
It must be no more than 99% when combined with partner_sales_incentive_commission
monthly_rental_repayments Sometimes
number
Required when residential_status is renting, boarding_with_parents, boarding_other or other
rental_payments_frequency Sometimes
'fortnightly' | 'monthly' | 'weekly'
Required when monthly_rental_repayments presents
mortgage_repayment_periodic_amount Required
numbermin: 0|max: 999,999,999
mortgage_repayment_frequency Required
'fortnightly' | 'monthly' | 'weekly'
mortgage_current_balance Required
numbermin: 0|max: 20,000,000
Must be greater or equal to mortgage_repayment_periodic_amount
general_wellbeing Required
numbermin: 0|max: 99,999,999
The amount of money spent on general wellbeing
general_wellbeing_frequency Required
'fortnightly' | 'monthly' | 'weekly'
residence_cost Required
numbermin: 0|max: 99,999,999
The amount of money spent on residence
residence_cost_frequency Required
'fortnightly' | 'monthly' | 'weekly'
transport_insurance Required
numbermin: 0|max: 99,999,999
The amount of money spent on transport and insurance
transport_insurance_frequency Required
'fortnightly' | 'monthly' | 'weekly'
other_living_expenses Required
numbermin: 0|max: 99,999,999
other_living_expenses_frequency Required
'fortnightly' | 'monthly' | 'weekly'
credit_card_limit Required
numbermin: 0|max: 999,999,999
For credit card liabilities, the credit limit in dollars
credit_card_balance Required
numbermin: 0|max: 999,999,999
Balance of the loan or credit facility in dollars
other_loan_repayment_periodic_amount Required
numbermin: 0|max: 999,999,999
other_loan_repayment_frequency Required
'fortnightly' | 'monthly' | 'weekly'
other_loan_current_balance Required
numbermin: 0|max: 999,999,999
Must be greater or equal to other_loan_repayment_periodic_amount
accuracy_acknowledgement Required
true
Must be accepted to submit the application
discretionary_expenses_acknowledgement Required
true
Must be accepted to submit the application
privacy_consent_provided Required
true
Must be accepted to submit the application
electronic_communication_acknowledgement Required
true
Must be accepted to submit the application
equifax_ve_acknowledgement Required
true
Must be accepted to submit the application
brokerflow_document_ids Optional
Array<string>
Illion broker code.
Each id must be alphanumeric and no more than 9 characters

ℹ️ Examples ​

Request
json
{
  "customer_id": "405715",
  "hash": "L857qdDbDbssMzqmDUo164zlcGLjCZ0dV59eJPWRSx3ShirgsLLHQ1gLsSen",
  "duration_months": "20",
  "job_description": "EmployerRole",
  "employer_name": "TFH hire",
  "employer_primary_contact_phone_number": "0404111111",
  "employer_australian_business_number": "11223491505",
  "other_employment_description": "",
  "previous_employment_status": "self_employed",
  "previous_job_description": "",
  "previous_employer_name": "",
  "previous_employer_primary_contact_phone_number": "",
  "previous_employer_australian_business_number": "",
  "previous_duration_months": "",
  "previous_other_employment_description": "",
  "incomes": [
    {
      "income_type": "payg",
      "income_amount": 1000,
      "income_frequency": "monthly",
      "description": "1"
    }
  ],
  "annual_bonus": 0,
  "sales_incentive_commission": 0,
  "partner_duration_months": "30",
  "partner_employer_name": "EmployerName1",
  "partner_job_description": "Role1",
  "partner_employer_primary_contact_phone_number": "0412312333",
  "partner_employer_australian_business_number": "",
  "partner_other_employment_description": "",
  "partner_previous_employment_status": "",
  "partner_previous_job_description": "",
  "partner_previous_employer_name": "",
  "partner_previous_employer_primary_contact_phone_number": "",
  "partner_previous_employer_australian_business_number": "",
  "partner_previous_duration_months": "",
  "partner_previous_other_employment_description": "",
  "partner_incomes": [
    {
      "income_type": "self_employed",
      "income_amount": 1000,
      "income_frequency": "monthly",
      "description": "1"
    }
  ],
  "partner_annual_bonus": 0,
  "partner_sales_incentive_commission": 0,
  "general_wellbeing": 1,
  "gender": "m",
  "mobile_phone": "0412345678",
  "residence_cost": 1,
  "transport_insurance": 1,
  "other_living_expenses": 1,
  "monthly_rental_repayments": 1231,
  "mortgage_repayment_periodic_amount": "0",
  "credit_card_limit": "0",
  "credit_card_balance": "0",
  "other_loan_repayment_periodic_amount": "0",
  "other_loan_current_balance": "0",
  "mortgage_current_balance": "0",
  "accuracy_acknowledgement": true,
  "privacy_consent_provided": true,
  "discretionary_expenses_acknowledgement": true,
  "electronic_communication_acknowledgement": true,
  "equifax_ve_acknowledgement": true,
  "partner_employed": 0
}
Response
json
{
  "data": {
    "customerId": 405715,
    "hash": "L857qdDbDbssMzqmDUo164zlcGLjCZ0dV59eJPWRSx3ShirgsLLHQ1gLsSen",
    "joint_application": 1,
    "partner_id": "now-finance-direct",
    "loan_purpose": "Car Purchase",
    "loan_purpose_description": null,
    "loan_amount": "35500.00",
    "app_status": "eligible",
    "interest_rate": "16.75",
    "comparison_rate": "16.75",
    "total_amount_inc_fees": "35500.00",
    "establishment_fee": "0.00",
    "debit_fee": "0.00",
    "repayment_frequency": "weekly",
    "repayment_amount": "165.55",
    "repayments_count": 364,
    "loan_term": 84,
    "application_number": 1141653,
    "application_status": "Application Submitted",
    "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": "0412345678",
    "score": 659,
    "cr_score": 564,
    "one_score": 659,
    "nfp_cr_score": 737,
    "nfp_cr_secured_score": 751,
    "marital_status": "married",
    "residential_status": "renting",
    "length_residence": 56,
    "income_frequency": "weekly",
    "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": "test",
    "partner_middle_name": "test",
    "partner_last_name": "test",
    "partner_email": "testwebmaster@nowfinance.com.au",
    "partner_dob": "1980-03-12",
    "partner_marital_status": "married",
    "partner_residential_status": "renting",
    "partner_length_residence": 11,
    "partner_income_frequency": "weekly",
    "partner_current_state": "VIC",
    "partner_current_postcode": "3608",
    "partner_gender": "m",
    "partner_bank_statement_status": false,
    "partner_employment_status": "permanent",
    "partner_employed": 0,
    "partner_score": 691,
    "partner_cr_score": 691,
    "partner_one_score": 594,
    "partner_nfp_cr_score": 713,
    "partner_nfp_cr_secured_score": 727,
    "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": "35500.00",
    "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": "2024-09-04T08:02:21.000000Z",
    "lead_id": null,
    "network_id": null,
    "dealer_id": null,
    "braze_external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "oe_application_key": "6c6f6187-2f5e-4f0d-b1fa-3fdea2e8e0cf",
    "applicant_oe_hash_key": "c8874747-8e78-496d-ab5e-d23067f84201",
    "partner_oe_hash_key": "759f09a2-362b-4f72-b935-cf6dba315ddb",
    "external_id": "$5$nfVRU1nJyh2dsS$PfWe0amcwvlOnjly0tf6.NapSCe4..vAU5WOZj.www1",
    "pcr_id": "EtoLDQ9CAg3HvRx3bzratipWmzetGUQ6vSLtOGBSGFY2UKd1eY633bHW2WdX",
    "origination_id": 386716,
    "origination_user_name": null,
    "braze_partner_external_id": "$5$nfVRU1nJyh2dsS$NC323C0rnASZS9p4tRLfufgmwE.KlwXJx7/Mbzk5NU0",
    "page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=EtoLDQ9CAg3HvRx3bzratipWmzetGUQ6vSLtOGBSGFY2UKd1eY633bHW2WdX",
    "campaign_url": "https://getmyrate.staging.nowfinance.com.au/?return=L857qdDbDbssMzqmDUo164zlcGLjCZ0dV59eJPWRSx3ShirgsLLHQ1gLsSen&",
    "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": "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": "515.25"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "weekly",
        "repayment_amount": "402.08"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "weekly",
        "repayment_amount": "289.68"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "weekly",
        "repayment_amount": "234.26"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "weekly",
        "repayment_amount": "201.61"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "weekly",
        "repayment_amount": "180.34"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "weekly",
        "repayment_amount": "165.55"
      },
      {
        "loan_term": 18,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "1031.96"
      },
      {
        "loan_term": 24,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "805.24"
      },
      {
        "loan_term": 36,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "580.08"
      },
      {
        "loan_term": 48,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "469.05"
      },
      {
        "loan_term": 60,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "403.63"
      },
      {
        "loan_term": 72,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "361.01"
      },
      {
        "loan_term": 84,
        "repayment_frequency": "fortnightly",
        "repayment_amount": "331.39"
      }
    ],
    "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": "59.79",
    "partner_age_of_credit_file": "91.86",
    "tier": "",
    "balloon_amount": 0,
    "balloon_percentage": "0.00%",
    "broker_commission": "0.00",
    "loan_purpose_array": [
      {
        "loan_purpose": "Car Purchase",
        "loan_amount": 35500,
        "payee": "ALEGACYPRAH ALEGACYM PRAHLLEGACYA test test test",
        "description": null
      }
    ]
  }
}
json
{
  "message": "Unauthenticated."
}

🕓 Changelog ​

2024-10-17 ​

🐞 Bug Fixes:

  • Field sales_incentive_commission and annual_bonus are now showing the correct maximum value

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