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!--methodPOST--!/getReceivedRate ā
Change interest rate for an application within the allowed range, origination fee or loan term.
Broker APIPersonal Loan
š Authentication ā
- Bearer Token - Your API token
š Content-Type ā
Request | application/json |
Response | application/json |
š¦ Request Body ā
customer_id RequiredCustomer's ID
number
hash RequiredCustomer's hash
string
loan_amount OptionalYou can only change the loan amount if the application only has one loan purpose
number
interest_rate OptionalInterest rate to be changed to.
It must be between
number
It must be between
min_interest_rate
and max_interest_rate
in the response of the Access Seeker endpoint, and the interval can only be 0.25%
origination_fee Optional
number
term_in_months OptionalLoan term in months.
Can only be
18 | 24 | 36 | 48 | 60 | 72 | 84
Can only be
18
, 24
or 36
when total loan amount is less than 8,000
billing_frequency OptionalRepayment frequency
'fortnightly' | 'weekly'
ā¹ļø Examples ā
Request
json
{
"customer_id": 405921,
"loan_amount": 50000,
"interest_rate": 15.7,
"hash": "rBJsdFipGZxNhwSbPNTEjtxnko468zFfmFAIfDe8IlHZitbsL0Vg4lfdtNBT"
}
json
{
"customer_id": 405921,
"loan_amount": 50000,
"term_in_months": 18,
"hash": "rBJsdFipGZxNhwSbPNTEjtxnko468zFfmFAIfDe8IlHZitbsL0Vg4lfdtNBT"
}
Response
json
{
"data": {
"customerId": 405921,
"hash": "rBJsdFipGZxNhwSbPNTEjtxnko468zFfmFAIfDe8IlHZitbsL0Vg4lfdtNBT",
"joint_application": 0,
"partner_id": "now-finance-broker",
"loan_purpose": "Car Purchase",
"loan_purpose_description": null,
"loan_amount": "50000.00",
"app_status": "Received Rate",
"interest_rate": "15.75",
"comparison_rate": null,
"total_amount_inc_fees": "50395.00",
"establishment_fee": "395.00",
"debit_fee": "0.00",
"repayment_frequency": "monthly",
"repayment_amount": "992.50",
"repayments_count": 84,
"loan_term": 84,
"application_number": 1141335,
"application_status": "Received Rate",
"no_of_debts": 0,
"first_name": "Gary",
"last_name": "Zamora",
"middle_name": null,
"email": "webmaster@gmail.com",
"dob": "1999-12-12",
"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": 60,
"income_frequency": "weekly",
"dependents": 0,
"primary_id_type": "driver_licence",
"id_type": null,
"employment_status": "permanent",
"address": null,
"current_unit_number": null,
"current_street_number": "77",
"current_street_name": "Victoria",
"current_street_type": "RD",
"current_suburb": "West Ryde",
"current_state": "NSW",
"current_postcode": "2114",
"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": 0,
"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": "Corolla",
"asset_class": null,
"registration_jurisdiction": null,
"make": "Toyota",
"category": "passenger",
"vehicle_identification_number": null,
"actual_kms": null,
"variant": "Sx Mzea12r 4d Sedan",
"drivetrain": "Direct Shift Cvt 2.0L 4 Multi Point F/Inj",
"guide_asset_code": null,
"model_year": 2021,
"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": "2024-08-23T01:22:36.000000Z",
"lead_id": null,
"network_id": null,
"dealer_id": null,
"braze_external_id": "$5$nfVRU1nJyh2dsS$cQBR4Kudk8o1HIi9.CO5FKLrQJRiqlU9QBeLWf.zFe8",
"oe_application_key": "2ec31d0b-11c0-48fe-a8e6-20fa83a0c097",
"applicant_oe_hash_key": "e29269ce-338e-41cb-8e36-f1a460f956b2",
"partner_oe_hash_key": null,
"external_id": "$5$nfVRU1nJyh2dsS$cQBR4Kudk8o1HIi9.CO5FKLrQJRiqlU9QBeLWf.zFe8",
"pcr_id": "XR7K14jBScC0mPDJg3A7wMOOMnJO0QGAxBW80RmORb59xnB415hrV6sfSr2o",
"origination_id": 386398,
"origination_user_name": null,
"braze_partner_external_id": null,
"page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=XR7K14jBScC0mPDJg3A7wMOOMnJO0QGAxBW80RmORb59xnB415hrV6sfSr2o",
"campaign_url": null,
"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": "720.46"
},
{
"loan_term": 24,
"repayment_frequency": "weekly",
"repayment_amount": "560.95"
},
{
"loan_term": 36,
"repayment_frequency": "weekly",
"repayment_amount": "402.41"
},
{
"loan_term": 48,
"repayment_frequency": "weekly",
"repayment_amount": "324.11"
},
{
"loan_term": 60,
"repayment_frequency": "weekly",
"repayment_amount": "277.88"
},
{
"loan_term": 72,
"repayment_frequency": "weekly",
"repayment_amount": "247.68"
},
{
"loan_term": 84,
"repayment_frequency": "weekly",
"repayment_amount": "226.63"
},
{
"loan_term": 18,
"repayment_frequency": "fortnightly",
"repayment_amount": "1442.85"
},
{
"loan_term": 24,
"repayment_frequency": "fortnightly",
"repayment_amount": "1123.34"
},
{
"loan_term": 36,
"repayment_frequency": "fortnightly",
"repayment_amount": "805.77"
},
{
"loan_term": 48,
"repayment_frequency": "fortnightly",
"repayment_amount": "648.91"
},
{
"loan_term": 60,
"repayment_frequency": "fortnightly",
"repayment_amount": "556.31"
},
{
"loan_term": 72,
"repayment_frequency": "fortnightly",
"repayment_amount": "495.82"
},
{
"loan_term": 84,
"repayment_frequency": "fortnightly",
"repayment_amount": "453.64"
}
],
"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": false,
"age_of_credit_file": null,
"partner_age_of_credit_file": null,
"min_interest_rate": "13.75",
"max_interest_rate": "15.75",
"base_interest_rate": "15.75"
}
}
json
{
"data": {
"customerId": 405921,
"hash": "rBJsdFipGZxNhwSbPNTEjtxnko468zFfmFAIfDe8IlHZitbsL0Vg4lfdtNBT",
"joint_application": 0,
"partner_id": "now-finance-broker",
"loan_purpose": "Car Purchase",
"loan_purpose_description": null,
"loan_amount": "50000.00",
"app_status": "Received Rate",
"interest_rate": "15.75",
"comparison_rate": null,
"total_amount_inc_fees": "50395.00",
"establishment_fee": "395.00",
"debit_fee": "0.00",
"repayment_frequency": "monthly",
"repayment_amount": "3161.83",
"repayments_count": 18,
"loan_term": 18,
"application_number": 1141335,
"application_status": "Received Rate",
"no_of_debts": 0,
"first_name": "Gary",
"last_name": "Zamora",
"middle_name": null,
"email": "webmaster@gmail.com",
"dob": "1999-12-12",
"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": 60,
"income_frequency": "weekly",
"dependents": 0,
"primary_id_type": "driver_licence",
"id_type": null,
"employment_status": "permanent",
"address": null,
"current_unit_number": null,
"current_street_number": "77",
"current_street_name": "Victoria",
"current_street_type": "RD",
"current_suburb": "West Ryde",
"current_state": "NSW",
"current_postcode": "2114",
"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": 0,
"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": "Corolla",
"asset_class": null,
"registration_jurisdiction": null,
"make": "Toyota",
"category": "passenger",
"vehicle_identification_number": null,
"actual_kms": null,
"variant": "Sx Mzea12r 4d Sedan",
"drivetrain": "Direct Shift Cvt 2.0L 4 Multi Point F/Inj",
"guide_asset_code": null,
"model_year": 2021,
"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": "2024-08-23T01:22:36.000000Z",
"lead_id": null,
"network_id": null,
"dealer_id": null,
"braze_external_id": "$5$nfVRU1nJyh2dsS$cQBR4Kudk8o1HIi9.CO5FKLrQJRiqlU9QBeLWf.zFe8",
"oe_application_key": "2ec31d0b-11c0-48fe-a8e6-20fa83a0c097",
"applicant_oe_hash_key": "e29269ce-338e-41cb-8e36-f1a460f956b2",
"partner_oe_hash_key": null,
"external_id": "$5$nfVRU1nJyh2dsS$cQBR4Kudk8o1HIi9.CO5FKLrQJRiqlU9QBeLWf.zFe8",
"pcr_id": "XR7K14jBScC0mPDJg3A7wMOOMnJO0QGAxBW80RmORb59xnB415hrV6sfSr2o",
"origination_id": 386398,
"origination_user_name": null,
"braze_partner_external_id": null,
"page_url": "https://staging.nowfinance.com.au/partner-customer-landing?&pcr_id=XR7K14jBScC0mPDJg3A7wMOOMnJO0QGAxBW80RmORb59xnB415hrV6sfSr2o",
"campaign_url": null,
"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": "720.46"
},
{
"loan_term": 24,
"repayment_frequency": "weekly",
"repayment_amount": "560.95"
},
{
"loan_term": 36,
"repayment_frequency": "weekly",
"repayment_amount": "402.41"
},
{
"loan_term": 48,
"repayment_frequency": "weekly",
"repayment_amount": "324.11"
},
{
"loan_term": 60,
"repayment_frequency": "weekly",
"repayment_amount": "277.88"
},
{
"loan_term": 72,
"repayment_frequency": "weekly",
"repayment_amount": "247.68"
},
{
"loan_term": 84,
"repayment_frequency": "weekly",
"repayment_amount": "226.63"
},
{
"loan_term": 18,
"repayment_frequency": "fortnightly",
"repayment_amount": "1442.85"
},
{
"loan_term": 24,
"repayment_frequency": "fortnightly",
"repayment_amount": "1123.34"
},
{
"loan_term": 36,
"repayment_frequency": "fortnightly",
"repayment_amount": "805.77"
},
{
"loan_term": 48,
"repayment_frequency": "fortnightly",
"repayment_amount": "648.91"
},
{
"loan_term": 60,
"repayment_frequency": "fortnightly",
"repayment_amount": "556.31"
},
{
"loan_term": 72,
"repayment_frequency": "fortnightly",
"repayment_amount": "495.82"
},
{
"loan_term": 84,
"repayment_frequency": "fortnightly",
"repayment_amount": "453.64"
}
],
"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": false,
"age_of_credit_file": null,
"partner_age_of_credit_file": null,
"min_interest_rate": "13.75",
"max_interest_rate": "15.75",
"base_interest_rate": "15.75"
}
}
json
{
"message": "Unauthenticated."
}