List all applications

Authorizations

Authorization

string

header

required

Basic authentication header of the form Basic <encoded-value>, where <encoded-value> is the base64-encoded string username:password.

Response

200 - application/json

status

enum<string>

required

Available options:

pending,

approved,

accepted,

rejected,

expired

id

string

borrower_id

string

The borrower_id of the borrower the application belongs to

created_on

string

Timestamp the application object is created on

credit_type

enum<string>

The type of credit product.

Available options:

installment_loan,

revolving_line_of_credit,

closed_line_of_credit

decisioned_on

string

Timestamp when the application is either approved or rejected on

offer

object

If the application is approved, an object containing the credit offer details

• Option 1
• Option 2

Show child attributes

offer.amount

integer

required

The amount (in cents) of the credit line offer (e.g. '200000' for $2,000.00)

offer.apr

integer

required

The apr (in basis points) of the credit line offer (e.g. '750' for 7.50%)

offer.annual_fee

integer

required

The annual fee charged for the credit line (e.g. '5000' for $50.00)

offer.billing_cycle

integer

required

The time in days between the last statement's closing date and the next statement's closing date. For consumer lines of credit, the minimum is '21'

offer.grace_period

integer

required

The time in days between the end of a billing cycle and the bill's due date. For consumer lines of credit, the minimum is '21'

offer.interest_rate

integer

required

The interest rate (in basis points) of the loan or credit line offer (e.g. '750' for 7.50%)

offer.late_payment_fee

integer

required

The fee charged if a borrower misses the payment due date, in cents (e.g. '2500' for $25.00)

offer.origination_fee

integer

required

The origination fee charged to originate the line in cents (e.g. '20000' for $200)

offer.term

integer

required

The term of the line in months

offer.finance_charge

integer

If your platform charges a monthly finance charge for access to the line, the amount in cents

offer.grace_period_interest_rate

integer

The interest rate (in basis points) charged during the grace period. Must be '0' for consumer lines of credit. Defaults to 0 if omitted

offer.introductory_offer_interest_rate

integer

If you offer an introductory period with a reduced interest rate, the interest rate in basis points

offer.introductory_offer_interest_rate_term

integer

If you offer an introductory period with a reduced interest rate, the term in months

offer.type

enum<string>

Available options:

line_of_credit

rejection_reasons

enum<string>[]

If the application is rejected, a list containing 1-4 rejection reason(s). The Rejection Reasons endpoint provides a list of valid reasons and descriptors

Available options:

income_too_low,

bank_balance_too_low,

income_unpredictable,

user_account_duplicate,

sdb_check_failed,

bank_account_linking_error,

mla_failed,

iddoc_failed,

no_checking_or_savings_data,

insufficient_bank_history,

loan_location_no_license,

address_invalid,

income_verification_failed,

stacking_behavior,

ssn_verification_failed,

too_many_nsfs,

fraud_risk_too_high,

bankruptcy,

processor_suspended,

cash_flow_verification_failed

requested_amount

integer

If the borrower requests an amount in their application, the requested loan or credit line amount in cents (e.g. 500000 for $5,000)