Guide

Cost, run and collect a small loan

A small amount contract from its fees to a hardship notice.

1. 1

   Cost the contract

   Fees in dollars against the caps, and the protected earnings test in every period. Reference

   curl -s 'https://app.creditcresttechnologies.com.au/v1/small-amount?amount=1000&entered=2026-10-01&first=2026-11-01&repayments=6&cadence=monthly&secured=no&establishment=200&monthly=40&income=3200&others=0'

   {
     "cost": {
       "establishmentFee": 200,
       "establishmentFeeCap": 200,
       "monthlyFee": 40,
       "monthlyFeeCap": 40,
       "totalFees": 440,
       "totalPayable": 1440
     },
     "protected_earnings": {
       "share": 0.1,
       "periods": [
         {
           "n": 1,
           "repayment": 240,
           "cap": 336.66,
           "meets": true
         },
         …
       ]
     },
     "complete": true
   }

2. 2

   Run the account

   Payments, a dishonour reversed, and where the account stands. Reference

   curl -s 'https://app.creditcresttechnologies.com.au/v1/loanmanager?kind=sacc&amount=1000&entered=2026-10-01&first=2026-11-01&repayments=6&cadence=monthly&establishment=200&monthly=40&asat=2027-01-10&events=p1%202026-11-01%20payment%20240.01%0Ap2%202026-12-01%20payment%20240.01%0Ar1%202026-12-03%20reversal%20of%20p2%20%7C%20Dishonoured%20by%20the%20paying%20bank%0Af1%202026-12-03%20fee%2015%20dishonourFee%20%7C%20Dishonour%20fee%20under%20the%20contract'

   {
     "status": "In arrears",
     "arrears": {
       "arrears": 480.02,
       "oldestUnpaid": "2026-12-01",
       "daysPastDue": 40
     },
     "balances": {
       "dishonourFee": 15,
       "outstanding": 1094.99
     },
     "problems": []
   }

3. 3

   Answer a hardship notice

   The statutory periods from the day the notice was given. Reference

   curl -s 'https://app.creditcresttechnologies.com.au/v1/hardship-clock?ref=ACC-9001&notice=2026-08-01&channel=phone&identified=2026-08-06&requested=2026-08-05&stated=2026-08-05&asAt=2026-09-19'

   {
     "notice": {
       "on": "2026-08-01",
       "channel": "phone"
     },
     "past_the_deadline": ["decision-notice"],
     "obligations": [
       {
         "id": "information-request-window",
         "status_words": "Done",
         "ends": "2026-08-22"
       },
       {
         "id": "borrower-information-due",
         "status_words": "Overdue",
         "ends": "2026-08-26"
       },
       …
     ]
   }