Credit Application Resources

This page provides an overview of the credit application resource types available in the Unit API.

Credit Application Types

Unit supports two credit application resource types, each designed for different use cases:

Resource Type	Description	Use Case
ExistingCustomerCreditApplication	Credit application for existing customers	When an existing customer applies for credit products
OnboardingCreditApplication	Credit application for new customers during onboarding	When a new customer applies for credit during the application process

Resource Schemas

Existing Customer Credit Application

An Existing Customer Credit Application represents a credit application submitted by a customer who is already in your system.

See the full schema at ExistingCustomerCreditApplication Resource.

Onboarding Credit Application

An Onboarding Credit Application represents a credit application submitted by a new customer who is in the process of applying for banking services.

See the full schema at OnboardingCreditApplication Resource.

Common Attributes

All credit application resources share these common attributes:

Attribute	Type	Description
id	string	Unique identifier for the credit application
type	string	The credit application type (e.g., existingCustomerCreditApplication, onboardingCreditApplication)
status	string	Current status of the credit application (Created, Pending, ManualReview, Approved, Denied, Canceled)
createdAt	string	ISO 8601 timestamp of when the credit application was created
updatedAt	string	ISO 8601 timestamp of when the credit application was last updated
aggregatorAccessTokens	array	Optional. Array of aggregator access tokens (e.g., Plaid processor tokens)
annualIncome	integer	Optional. The annual income of the applicant in cents
numberOfEmployees	string	Optional. Number of employees of the business
yearsInBusiness	integer	Optional. Number of years the business has been in operation
additionalUnderwritingData	object	Optional. Key-value pairs of underwriting data per credit policy
approvedLimit	integer	The approved credit limit in cents (only present when status is Approved)
denyReason	string	The reason for denial (only present when status is Denied)

Common Relationships

Relationship	Description
lendingProgram	The Lending Program for which this credit application is related to
customer	The Customer associated with the credit application (for ExistingCustomerCreditApplication)
application	The Application for which this credit application applies to (for OnboardingCreditApplication)

For complete schema definitions and all available attributes, see the Resources API reference.