Applications
Mara Vogel
Over-committed on existing credit · Retail supervisor · Dortmund · household of 2
DeclinedConsent · 2/2 banks active
Engine decision
Decline
2/2 banks · 100% data coverage
Recommended limit
—
6.000 € requested
Monthly instalment
271,09 €
24 mo · 7.9% APR
Available income
Debt consolidation · submitted 8 Jun 2026
Awaiting officer decision
The engine recommends Decline. Review the explainable assessment and confirm or override.
Aggregated across 2 banks via open banking — Demo Bank + Civic Bank
Demo Bank
Girokonto
DE59 •••• •••• •••• 7878
-5.019,35 €
Tagesgeld Sparen
DE11 •••• •••• •••• 8872
320,00 €
Civic Bank
Civic Girokonto
DE71 •••• •••• •••• 2512
-1.795,88 €
Checking balance · last 6 months
Consent (AIS)
One consent per bank — each can be revoked independently.
Demo Bank
Granted16 Apr 2026
Expires (180d)13 Oct 2026 · 73d
accountsbalancestransactionsstandingOrders
Civic Bank
Granted18 Apr 2026
Expires (180d)15 Oct 2026 · 75d
accountsbalancestransactionsstandingOrders
At a glance
Net monthly income2.600,70 €
Rent1.101,01 €
Obligations899,46 €
DTI45%
Income stability99%