Submitting a credit application

How to submit a credit applications for a customer.

Submitting a credit application starts the following:

  • KYC process to ensure that the customer information is genuine
  • Creation of a secured deposit account once the KYC process is approved

To submit a credit application, use the POST /credit/applications/{application_id}/submit operation with no further parameters.

An example of a request to submit a credit application is shown below.

curl --request POST \
     --url \
     --header 'Accept: application/json' \
     --header 'Authorization: YOUR-AUTHORIZATION' \
     --header 'Identity: YOUR-IDENTITY'
import requests

url = ""

headers = {
    "Accept": "application/json",
    "Identity": "YOUR-IDENTITY",
    "Authorization": "YOUR-AUTHORIZATION"

response =, headers=headers)

require 'uri'
require 'net/http'
require 'openssl'

url = URI("")

http =, url.port)
http.use_ssl = true

request =
request["Accept"] = 'application/json'
request["Identity"] = 'YOUR-IDENTITY'
request["Authorization"] = 'YOUR-AUTHORIZATION'

response = http.request(request)
puts response.read_body
const options = {
  method: 'POST',
  headers: {
    Accept: 'application/json',
    Identity: 'YOUR-IDENTITY',
    Authorization: 'YOUR-AUTHORIZATION'

fetch('', options)
  .then(response => response.json())
  .then(response => console.log(response))
  .catch(err => console.error(err));
var client = new RestClient("");
var request = new RestRequest(Method.POST);
request.AddHeader("Accept", "application/json");
request.AddHeader("Identity", "YOUR-IDENTITY");
request.AddHeader("Authorization", "YOUR-AUTHORIZATION");
IRestResponse response = client.Execute(request);
OkHttpClient client = new OkHttpClient();

Request request = new Request.Builder()
  .addHeader("Accept", "application/json")
  .addHeader("Identity", "YOUR-IDENTITY")
  .addHeader("Authorization", "YOUR-AUTHORIZATION")

Response response = client.newCall(request).execute();

The JSON response contains all the information related to the credit application submission.

An example of a response to a successful credit application submission is shown below.

  "application_id": "2629182a-3aeb-4834-846a-1688d4649bb9",
  "program_id": "54f7882b-6b95-4cde-a7eb-775b9468bcb1",
  "date_created": "2021-11-15T00:17:56.842105Z",
  "date_updated": "2021-11-15T00:17:56.842105Z",
  "application_status": "kyc_started",
  "applicant": {
    "customer_id": "05a8054f-8259-4e30-8d1d-d286081987bd",
    "employment_status": "employed",
    "address_id": "bb5fa77d-fd66-4e31-81c0-eaf549b0c797",
    "total_annual_income": 5000050,
    "monthly_housing_payment": 1000,
    "terms_accepted": true,
    "currency": "USD",
    "first_name": "James",
    "middle_name": "Herbert",
    "last_name": "Bond",
    "date_of_birth": "1997-12-25",
    "street": "45 California St.",
    "street2": "Suite 600",
    "city": "San Francisco",
    "state": "CA",
    "country": "US",
    "zip_code": "94105",
    "ssn": "tok_sandbox_xoZzhoxaCXHb823bZp3x2e",
    "email": "[email protected]"
  "accounts": {
    "security_deposit_account_id": null

For a complete specification and interactive examples, see Submitting a credit application in the Bond API Reference.