A loan application with a simulated credit check: use an SSN ending in 0000 for a guaranteed decline, any other 4 digits for a randomized approval at Excellent/Good/Fair pricing — the same "documented deterministic edge case, organic happy path" pattern as the OTP code elsewhere in this suite. Selecting "Unemployed" blocks the flow entirely rather than just hiding a field. The offer screen runs a real amortization formula, not a placeholder number, so the monthly payment is worth asserting against precisely.
Step 1 of 5 — Loan Details
Loan details
Loan amount must be between $1,000 and $50,000.
Credit check
Demo tip: an SSN ending in 0000 always declines.
This application was declined based on your credit check. You can adjust the loan amount and try again.
Employment & income
We can't process online applications for unemployed applicants — please contact a loan officer.
Your income is too low to support this loan amount. Lower the amount or increase income.
Your offer
Sign & disbursement account
Type your name, check the agreement box, and enter a valid routing/account number.