Quote

Definition

Asking a quote is the simplest way to check if a debtor and his invoice are eligible for financing. When your product has a built-in payment page on which you want to integrate Aria's services, you can use our Quote endpoint before displaying a call-to-action that will create a Loan.

This is the fastest way to ensure that your Loan will be accepted afterwards.

Lifetime

Every Quote has a life-time of 60 days (from the day of the acceptance of the Quote) and an expiration date as financing conditions may change across time (check our API Reference for more details).

Validation

Every Quote will be answered instantly. We provide 4 statuses:

• ACCEPTED: We accepted the Quote. The debtor is eligible for financing, for this specific amount.
• REFUSED: We refused the Quote. We won’t finance this debtor and/or this amount.
• INACTIVE: The quote has been used (meaning that a Loan has been created and the payment has been made, “consuming” the amount of this quote).
• OUTDATED: The end date has been passed (i.e +60 days after the Quote has been accepted).

REFUSED status comes with reasons that you will find in our API Reference.

📘

Aria may refuse a quote automatically but accept a credit limit for a debtor since Credit Limits are sometimes subject to a deeper investigation. See Lending Eligibility.

Quote vs. Credit Limit

Aria may refuse a Quote automatically but accept a credit limit for a debtor since Credit Limits are sometimes subject to a deeper investigation. See Lending Eligibility.

Quote <> Loan

Every Quote can be linked to a Loan. Meaning that once your Quote is accepted, you are able to create a Loan that will “consume” the Quote.

📘

If you integrate Aria’s Quote, we strongly advise you to add the quoteId in the Loan creation to identify that the Quote you asked for is linked to this specific Loan.

📘

If you don’t create or even link a Loan to the Quote, it will be outdated after 60 days (see statuses above).

Tests (sandbox)

To try the Quote feature in sandbox and simulate every status/reasons, you can use one of these SIREN / VAT Number: