Applications

Create an application

POST

Request

This endpoint expects an object.
borrower_id
stringRequired

The borrower_id of the borrower the application is for (1-256 chars)

credit_type
enumRequired
The type of credit product.
requested_amount
integerOptional
If the borrower requests an amount in their application, the requested loan or credit line amount (in cents).
third_party_disbursement_destination
stringOptional

For credit applications of type consumer/commercial_bnpl, the third party (i.e. merchant - “Acme Co.”) is the person receiving the funds

Response

This endpoint returns an object
status
enum
id
stringOptional
borrower_id
stringOptional

The borrower_id of the borrower the application belongs to

created_on
datetimeOptional
Timestamp the application object is created on
credit_type
enumOptional
The type of credit product.
decisioned_on
datetimeOptional
Timestamp when the application is either approved or rejected on
offers
list of unionsOptional
If the application is approved, an object containing the credit offer details
rejection_reasons
list of enumsOptional
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
requested_amount
integerOptional
If the borrower requests an amount in their application, the requested loan or credit line amount in cents (e.g. 500000 for $5,000)
third_party_disbursement_destination
stringOptional

For credit applications of type consumer_bnpl, the third party (i.e. merchant) receiving the funds is specified here

lender_of_record
stringOptional
The lender of record
credit_data
objectOptional

Errors

POST
1curl -X POST https://production.pier-finance.com/api/applications \
2     -H "Authorization: Bearer <token>" \
3     -H "Content-Type: application/json" \
4     -d '{
5  "borrower_id": "bor_a1d0c30d77104f35b4c842b99132624e",
6  "credit_type": "consumer_installment_loan",
7  "requested_amount": 200000
8}'
1{
2  "status": "pending",
3  "id": "app_f0467657bba948e6a87292e182132848",
4  "borrower_id": "bor_a1d0c30d77104f35b4c842b99132624e",
5  "created_on": "2022-12-31T01:36:52.606Z",
6  "credit_type": "consumer_installment_loan",
7  "rejection_reasons": [],
8  "lender_of_record": "lender"
9}
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