Credit Limit
Definition
With Credit Limits, you will be able to check the maximum credit amount Aria is willing to finance for a debtor.
Every Credit Limit includes debtor information and informs you about its outstanding Amount (total amount being advanced by Aria for this debtor, not repaid yet).
Every loan that is not repaid (REPAID status) will make this outstanding amount grow.
Having a validated limit and a sufficient credit amount will guarantee the acceptance of a loan.
Validation
When a Credit Limit is registered, our robots π€ will score the debtor profile in order to accept, revise, or refuse the registration. We provide 5 status:
PROCESSING
: The Credit Limit is created but we could not assign an amount automaticallyONGOING_REVISION
: A revision of the available amount has been triggered by a new registered Credit Limit and we could not assign an amount automaticallyACCEPTED
: We accepted your Credit Limit request.REVISED
: We decided on a different amount than requestedREFUSED
: We refused to finance this debtor.
REFUSED
Credit Limits always comes with refusal reasons: See the full list. We strongly recommend not integrating automatic workflows using reasons as they might change over time.
The returned status informs you if the loan created for this debtor will be accepted or not. The total amount Aria is willing to finance will also be returned.
After registering a Credit Limit, you may expect two workflows:
- Automatic control : The API returns a final status instantly (
ACCEPTED
,REVISED
,REFUSED
) - Manual control : The API returns a
PROCESSING
orONGOING_REVISION
status that will be updated later by our team

You can test these use cases in our sandbox, and subscribe to webhooks to be informed when a status change.
Request a higher Credit Limit
You can register a new Credit Limit for a given Debtor if you want to update the maximum amount allowed of an ACCEPTED
, REFUSED
, or REVISED
Credit Limit.
- This will set its status to
ONGOING_REVISION
. - The initial
ACCEPTED
orREVISED
Credit Limit will still work while we review the new request.
About Loans
Credit Limits are useful if you want to know if a loan will be accepted or not in the future. If the debtor is linked to a Credit Limit whose outstanding amount exceeds the Credit Limit amount, the loan may be refused or take more time to validate.
About Quotes
Aria may create a Credit Limit on your behalf if you use our Quote integration.
You are able to get an instant Yes or No for each Quote request, but itβs not possible to be financed beyond the maximum credit amount defined by the Credit Limit associated with this Quote.
Tests (sandbox)
If you want to test a Credit Limits integration, you can use our sandbox. You have to think and integrate these 2 use cases in your workflow:
- The Credit Limit is created with a final status (
ACCEPTED
/REVISED
/REFUSED
). - The Credit Limit is created with a
PROCESSING
/ONGOING_REVISION
status.
For this second use case, you will need to create a PROCESSING
or ONGOING_REVISION
Credit Limit, and change its status afterward in your sandbox dashboard.
You can also delete a Credit Limit on your sandbox dashboard if you want to make several tests.
To test the Credit Limit feature in the sandbox with every status, you can use one of these SIREN / VAT Number listed below in your Credit Limit registration.
Status | Identifier type | Identifier | Company Name (fixed value) | Claimed amount |
---|---|---|---|---|
ACCEPTED | VAT Number | GB000000000 | test_vat_accepted | Any amount |
ACCEPTED | SIREN | 000000000 | test_siren_accepted | Any amount |
REVISED | VAT Number | GB000000001 | test_vat_revised | Amount different from 5000 EUR |
REVISED | SIREN | 000000001 | test_siren_revised | Amount different from 5000 EUR |
REFUSED | VAT Number | GB832832832 | test_vat_refused | Any amount |
REFUSED | SIREN | 832832832 | test_siren_refused | Any amount |
PROCESSING / ONGOING_REVISION | VAT Number | Any other VAT Number | Any amount | |
PROCESSING / ONGOING_REVISION | SIREN | Any other SIREN | Any amount |
Webhooks
Credit Limits webhooks are available!
Updated about 1 month ago