Approval depends on credit score, fraud risk, and requested amount: score ≥750 → up to $50,000,
≥650 → up to $15,000, ≥550 → up to $5,000, below that → $0. Medium fraud risk halves the cap, high risk denies outright.
Try id_number 1001 (score 720, low risk), 1002 (score 580, low risk), 1003 (score 700, high risk), 1004 (score 810, low risk), or 1005 (score 780, medium risk — high score, but capped at $25,000 instead of $50,000) — then vary the amount to see the decision change.