POST/getPreQualifiedEligibility

Conduct a prequalification check to confirm client eligibility and get the rate.

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

Broker APIPersonal LoanSingleSecured

🔑 Authentication

• Bearer Token - Your API token

📝 Content-Type

Request	application/json
Response	application/json

📦 Request Body

first_name Required

stringmax: 60

middle_name Optional

stringmax: 60

last_name Required

stringmax: 60

dob Required

YYYY-MM-DD

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

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'

email Required

stringmax: 100

residency_status Required

'citizen' | 'permanent resident' | 'visa holder'

employment_status Required

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

residential_status Required

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

marital_status Required

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

dependents Required

numbermin: 0|max: 9

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

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'

product_type Required

'consumer_personal_loan'

The product type of the loan application.

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

loan_purpose Required

Array<object>min: 1|max: 1

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' | 'Car Modification' | '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' | 'Holiday / Travel' | 'Wedding Expenses' | 'Other'

payee Required

stringmax: 100

If loan_purpose is not Debt Consolidation, the payee should be the customer's name; otherwise, assign N/A.

loan_amount Required

numbermin: 5,000|max: 50,000

description Sometimes

stringmax: 100

Required when loan_purpose is Other

incomes Required

Array<object>min: 1

An array of incomes

income_type Required

'payg' | 'other' | 'self_employed' | 'government_benefit' | 'investment_property_rent' | 'income_protection_work_cover'

Mapping from employment_status:

employment_status	income_type
casual	payg
part_time	payg
permanent	payg
self_employed	self_employed
other	any of above other than payg and self_employed

income_amount Required

numbermin: 1

income_frequency Required

'fortnightly' | 'monthly' | 'weekly'

description Sometimes

string

required when income_type is other

illion_bank_statements_document_id Optional

Array<string>

Illion broker code.
Each id must be alphanumeric and no more than 9 characters

src Optional

string

utm_source Optional

string

utm_medium Optional

string

utm_campaign Optional

string

utm_partner_offer_id Optional

string

ℹ️ Examples

Request

{
  "first_name": "Jhony",
  "middle_name": "",
  "last_name": "Bravo",
  "dob": "1980-07-01",
  "current_unit_number": 12345,
  "current_street_number": "10",
  "current_street_name": "VINE",
  "current_street_type": "ST",
  "current_suburb": "NAGAMBIE",
  "current_postcode": "3608",
  "current_state": "VIC",
  "email": "webmaster@nowfinance.com.au",
  "residency_status": "citizen",
  "employment_status": "permanent",
  "residential_status": "owner",
  "marital_status": "single",
  "dependents": 0,
  "monthly_rental_repayments": 0,
  "rental_payments_frequency": "",
  "mortgage_repayment_periodic_amount": 0,
  "mortgage_repayment_frequency": "",
  "product_type": "consumer_personal_loan",
  "term_in_months": 18,
  "loan_purpose": [
    {
      "loan_purpose": "Home Improvements",
      "payee": "Jhony Bravo",
      "loan_amount": "11000.00",
      "description": ""
    }
  ],
  "incomes": [
    {
      "income_type": "payg",
      "income_amount": 25000,
      "income_frequency": "monthly",
      "description": "1"
    }
  ],
  "illion_bank_statements_document_id": [
    "A1B2C3"
  ]
}

Response

✅ 200

{
  "application_status": "prequalified | not eligible | potential eligible",
  "interest_rate": 22.75,
  "comparison_rate": 22.75,
  "loan_term": 18,
  "repayment_frequency": "weekly | fortnightly",
  "repayment_amount": 166.69,
  "establishment_fee": 0,
  "loan_purpose_array": [
    {
      "loan_purpose": "Car Purchase",
      "loan_amount": 20000,
      "payee": "Jhony Bravo",
      "description": null
    }
  ],
  "prequalified_percentage": "0.98",
  "campaign_url": "https://redirecturl",
  "bs_status": "true | false"
}

❌ 401 (Unauthenticated)

{
  "message": "Unauthenticated."
}

TIP

When bs_status is true in Response indicates that the prequalified_percentage has been calculated taking the submitted bank statements into consideration.