Applications
Jonas Frei
High earner, large limit headroom · Engineering lead · Stuttgart · household of 1
ApprovedConsent · 2/2 banks active
Engine decision
Approve
2/2 banks · 100% data coverage
Recommended limit
25.000 €
up to 50.000 € eligible
Monthly instalment
505,71 €
60 mo · 7.9% APR
Available income
Major purchase · submitted 11 Jun 2026
Awaiting officer decision
The engine recommends Approve. Review the explainable assessment and confirm or override.
Aggregated across 2 banks via open banking — Demo Bank + Civic Bank
Demo Bank
Girokonto
DE59 •••• •••• •••• 5355
20.222,01 €
Tagesgeld Sparen
DE11 •••• •••• •••• 8897
41.000,00 €
Civic Bank
Civic Tagesgeld
DE71 •••• •••• •••• 9479
38.000,00 €
Checking balance · last 6 months
Consent (AIS)
One consent per bank — each can be revoked independently.
Demo Bank
Granted22 Apr 2026
Expires (180d)19 Oct 2026 · 79d
accountsbalancestransactionsstandingOrders
Civic Bank
Granted24 Apr 2026
Expires (180d)21 Oct 2026 · 81d
accountsbalancestransactionsstandingOrders
At a glance
Net monthly income6.760,75 €
Rent1.499,40 €
Obligations299,02 €
DTI12%
Income stability100%