Applications
Lena Brandt
Clean at one bank, stretched across two · Marketing manager · Köln · household of 1
ReferredConsent · 2/2 banks active
Engine decision
Refer to underwriter
2/2 banks · 100% data coverage
Recommended limit
—
10.000 € requested
Monthly instalment
312,90 €
36 mo · 7.9% APR
Available income
Major purchase · submitted 20 Jun 2026
Awaiting officer decision
The engine recommends Refer to underwriter. Review the explainable assessment and confirm or override.
Aggregated across 2 banks via open banking — Civic Bank + Demo Bank
Civic Bank
Civic Girokonto
DE71 •••• •••• •••• 1923
-2.607,69 €
Demo Bank
Girokonto
DE59 •••• •••• •••• 5551
3.248,55 €
Tagesgeld Sparen
DE11 •••• •••• •••• 5117
2.600,00 €
Checking balance · last 6 months
Consent (AIS)
One consent per bank — each can be revoked independently.
Demo Bank
Granted10 May 2026
Expires (180d)6 Nov 2026 · 97d
accountsbalancestransactionsstandingOrders
Civic Bank
Granted12 May 2026
Expires (180d)8 Nov 2026 · 99d
accountsbalancestransactionsstandingOrders
At a glance
Net monthly income2.612,05 €
Rent797,12 €
Obligations487,95 €
DTI31%
Income stability99%