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Prets works with two types of quotes:
  • A quote is the installer’s final offer: a fixed amount for a specific product, which the consumer signs. A financing application can only complete on the basis of a quote.
  • An indicative quote is an estimate: an amount and a product, sent before a final quote exists. It gives the consumer an idea of what financing costs while they are still orienting.
An indicative quote is never enough to complete a financing application. Prets always waits for a quote, which arrives later through your integration or directly from the consumer. Prets links both to the same consumer (matched on email address), so it can follow the path from estimate to signed quote to financing.

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When to use it

Only send an indicative quote when you don’t have a final quote yet. Existing integrations that send quotes keep working unchanged. An indicative quote is not the same as a cost preview (POST /v1/quotes/cost/preview). A cost preview calculates financing costs without storing anything; an indicative quote is stored in Prets and linked to the consumer.

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API

Use POST /v1/quotes with "terms": ["indicative"]. The response has financing.status set to orientation. The full comparison with a quote is on that reference page.

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Portal

Creating a quote in the portal always creates a quote, not an indicative quote (Creating a quote). Indicative quotes created through the API show in the quote list with status Orientation.