The person ID of the customer applying for a fronting loan.
Fronting (1.0)
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/
Request
Creates a consumer fronting loan application and assigns it to the person with the person_id specified in the request URL. The payload of this endpoint includes all the required financial information and account data about the customer, which the credit scorer uses to initiate a series of credit checks to determine the customer's credit risk and eligibility.
The application attributes
The customer's living situation.
The amount of the customer's living expenses, e.g., rent, mortgage, etc.
The currency of the given value. Only EURO is currently supported.
The customer's net income amount.
The amount of the private insurance the customer pays monthly.
The currency of the given value. Only EURO is currently supported.
The day of the month when the customer pays the loan installment.
The number of months over which the loan will be repaid, as requested by the customer.
The loan amount requested by the customer.
The requested interest rate to apply to the fronting loan.
The amount of existing credit repayment the customer pays excluding mortgage.
The currency of the given value. Only EURO is currently supported.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
A field to indicate whether it's allowed for you to create an account snapshot for the customer or not.
The unique ID of a customer's credit record.
The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)
The effective annual interest rate to apply to the fronting loan.
The date when the customer started their current employment.
A field to indicate whether the application is a joint application or not.
Field to indicate whether the customer has moved and changed addresses in the last two years.
Your internal reference number for the customer.
The score assigned to the customer by your internal scoring flow.
The date when the loan was paid out to the customer.
The percentage of the customer's probability of default as scored by your internal scoring system. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)
The IBAN of the loan's recipient to which the loan will be paid out.
The name of the loan recipient.
The total interest amount applied to the loan.
The total principal amount of the loan.
The total amount the customer repaid from the loan.
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "agio": 0, "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "debt_burden_ratio": 0.1, "effective_interest_rate": 0.04, "employment_since": "2019-08-24", "employment_until": "2019-08-24", "existing_credit_repayment_excluding_mortgage": { "currency": "EUR", "unit": "cents", "value": 1000 }, "is_joint_application": true, "living_situation": "LIVING_IN_RENTED_HOUSE", "living_situation_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "loan_purpose": "Buying a car", "moved_in_last_two_years": true, "net_income_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "number_of_kids": 1, "partner_reference_number": "string", "partner_score": "string", "partner_snapshot_allowed": true, "payout_date": "2021-08-24", "private_insurance_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "probability_of_default": 0.1, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "repayment_day_of_month": 1, "requested_interest_rate": 0.02, "requested_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "requested_loan_term": 24, "total_interest_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_principle_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_repaid_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "transaction_description": "string", "transaction_end_to_end_id": "123322332" }
Application
The unique ID of a consumer fronting loan application.
The person ID of the customer applying for a fronting loan.
The status of the consumer fronting loan application.
The loan amount requested by the customer.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
A field to indicate whether it's allowed for the partner to create an account snapshot for the customer or not.
The unique ID of a customer's account snapshot.
The unique ID of a customer's credit record.
The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income.
The effective annual interest rate to apply to the fronting loan.
The unique ID of the identification origination resource created for a customer in the scope of a fronting loan application.
The customer's net income amount.
The percentage of the customer's probability of default as scored by your internal scoring system. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)
The IBAN of the loan's recipient to which the loan will be paid out.
The requested interest rate to apply to the fronting loan.
The number of months over which the loan will be repaid, as requested by the customer.
The total interest amount.
The total principal amount of the loan.
The total amount the customer repaid from the loan.
{ "account_snapshot_id": "2a9fbb2fc5be45f7b8ca782c45715576snap", "agio": 0, "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "debt_burden_ratio": 0.1, "decision": "string", "effective_interest_rate": 0.04, "id": "504f3c3659e14079a6941fe5b7a75eaacfla", "identification_origination_id": "ccf79efa8b5c4a5594d43b73e58acfb3io", "loan_purpose": "Buying a car", "net_income_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "partner_id": "string", "partner_reference_number": "string", "partner_score": "string", "partner_snapshot_allowed": true, "payout_date": "2019-08-24", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "probability_of_default": 0.1, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "requested_interest_rate": 0.02, "requested_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "requested_loan_term": 24, "status": "identification_pending", "total_interest_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_principle_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_repaid_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "transaction_description": "string", "transaction_end_to_end_id": "123322332" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Application
The unique ID of a consumer fronting loan application.
The person ID of the customer applying for a fronting loan.
The status of the consumer fronting loan application.
The loan amount requested by the customer.
The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
A field to indicate whether it's allowed for the partner to create an account snapshot for the customer or not.
The unique ID of a customer's account snapshot.
The unique ID of a customer's credit record.
The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income.
The effective annual interest rate to apply to the fronting loan.
The unique ID of the identification origination resource created for a customer in the scope of a fronting loan application.
The customer's net income amount.
The percentage of the customer's probability of default as scored by your internal scoring system. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)
The IBAN of the loan's recipient to which the loan will be paid out.
The requested interest rate to apply to the fronting loan.
The number of months over which the loan will be repaid, as requested by the customer.
The total interest amount.
The total principal amount of the loan.
The total amount the customer repaid from the loan.
{ "account_snapshot_id": "2a9fbb2fc5be45f7b8ca782c45715576snap", "agio": 0, "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "debt_burden_ratio": 0.1, "decision": "string", "effective_interest_rate": 0.04, "id": "504f3c3659e14079a6941fe5b7a75eaacfla", "identification_origination_id": "ccf79efa8b5c4a5594d43b73e58acfb3io", "loan_purpose": "Buying a car", "net_income_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "partner_id": "string", "partner_reference_number": "string", "partner_score": "string", "partner_snapshot_allowed": true, "payout_date": "2019-08-24", "person_id": "dc1a6812a14f6cc338cd084208535bcdcper", "probability_of_default": 0.1, "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "requested_interest_rate": 0.02, "requested_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "requested_loan_term": 24, "status": "identification_pending", "total_interest_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_principle_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "total_repaid_loan_amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "transaction_description": "string", "transaction_end_to_end_id": "123322332" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/account_snapshot
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "account_snapshot_id": "6c8f81a234df4052a9cde197577347b7snap" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/identification
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "identification_origination_id": "589e12da53154010ad180894acbe07ebio" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/payout
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "settlement_account_iban": "DE07110101014503906016" }
Loan
The unique ID of the fronting loan, generated after a loan is created for the customer.
The unique ID of a consumer fronting loan application.
The IBAN of the loan's recipient to which the loan will be paid out.
The interest rate to apply to the fronting loan.
The loan amount.
Your Solaris prefund account from which the full loan amount (agio + net loan amount) must be transferred to Solaris' settlement account.
Your account to which the agio is transferred.
The Solaris settlement account from which the loan amount is transferred to the customer's account.
{ "agio": 0, "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "application_id": "504f3c3659e14079a6941fe5b7a75eaacfla", "collateral_account_iban": "DE85110101014480677574", "collection_account_iban": "DE87110101001000057123", "duration": 12, "id": "620b95f7987243d398c2621c889a2039cflo", "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "requested_interest_rate": 0.04, "settlement_account_iban": "DE07110101014503906016", "status": "payout_issued" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loans/{loan_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Loan
The unique ID of the fronting loan, generated after a loan is created for the customer.
The unique ID of a consumer fronting loan application.
The IBAN of the loan's recipient to which the loan will be paid out.
The interest rate to apply to the fronting loan.
The loan amount.
Your Solaris prefund account from which the full loan amount (agio + net loan amount) must be transferred to Solaris' settlement account.
Your account to which the agio is transferred.
The Solaris settlement account from which the loan amount is transferred to the customer's account.
{ "agio": 0, "amount": { "currency": "EUR", "unit": "cents", "value": 1000 }, "application_id": "504f3c3659e14079a6941fe5b7a75eaacfla", "collateral_account_iban": "DE85110101014480677574", "collection_account_iban": "DE87110101001000057123", "duration": 12, "id": "620b95f7987243d398c2621c889a2039cflo", "recipient_iban": "DE92370601930002130041", "recipient_name": "Max Mustermann", "requested_interest_rate": 0.04, "settlement_account_iban": "DE07110101014503906016", "status": "payout_issued" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/fronting/v1/consumers/persons/{person_id}/fronting_loan_applications/{application_id}/recipient_account
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "recipient_iban": "string", "recipient_name": "string" }