# Loans Version: 1.0 ## Servers Sandbox ``` https://api.solaris-sandbox.de ``` Production ``` https://api.solarisbank.de ``` ## Download OpenAPI description [Loans](https://docs.solarisgroup.com/_bundle/api-reference/lending/loans.yaml) ## Loan servicing ### Retrieve a loan schedule - [GET /v1/loans/{loan_id}/repayment_schedule](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.loans.repaymentschedule.showoperation.md): Returns the schedule of the loan specified in the request URL. The loan schedule includes the full details of a loan, such as loan balance, fees, penalities, interests, and all past, present, and future installments of the loan. ### Retrieve the history of repayments of a loan - [GET /v1/loans/{loan_id}/repayment_history](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.loans.showrepaymenthistoryoperation.md): Returns the history of all past repayments the customer made in relation to the loan specified in the request URL. This includes all executed SEPA Direct Debits (SDD) and/or SEPA Credit Transfers (SCT). ### Retrieve a loan - [GET /v1/loans/{loan_id}](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.loans.showoperation.md): Returns the details of the loan specified in the request URL. ### Index loans - [GET /v1/loans](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.loans.indexoperation.md): Returns an array containing all loans for all of your customers. ### Retrieve a credit line mandate - [GET /v1/credit_lines/{credit_line_id}/active_mandate](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.mandates.showcreditlinemandateoperation.md): Returns a signed mandate for a credit line. ### (DEPRECATED) Retrieve the repayment plan of a loan (deprecated) - [GET /v1/loans/{loan_id}/repayment_plan](https://docs.solarisgroup.com/api-reference/lending/loans/loan-servicing/loanengineweb.v1.loans.repaymentplan.showoperation.md): Returns the repayment plan of the loan specified in the request URL. This endpoint is deprecated. Please use the repayment schedule endpoint instead. ## Loan dunning cases ### Index the notifications of a dunning case - [GET /v1/dunning_cases/{dunning_case_id}/notifications](https://docs.solarisgroup.com/api-reference/lending/loans/loan-dunning-cases/loanengineweb.v1.dunningcases.notifications.indexoperation.md): Returns the notifications related to a dunning case. ### Retrieve a dunning case - [GET /v1/dunning_cases/{dunning_case_id}](https://docs.solarisgroup.com/api-reference/lending/loans/loan-dunning-cases/loanengineweb.v1.dunningcases.showoperation.md): Returns the dunning case with the ID specified in the request URL. ### Index dunning cases - [GET /v1/dunning_cases](https://docs.solarisgroup.com/api-reference/lending/loans/loan-dunning-cases/loanengineweb.v1.dunningcases.indexoperation.md): Returns an array containing all the dunning cases for all of your customers. ## Consumer Loan ### Create anonymous loan offer - [POST /v1/anonymous_consumer_loan_offers](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.anonymousoffers.createoperation.md): Generates a non-binding anonymous loan offer for a customer based on their self-declared and unverified financial information. ### Retrieve two thirds rates - [GET /v1/consumer_loans/two_thirds_rates](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.partners.showtwothirdsratesoperation.md): Returns the 2/3 interest rate for different loan terms for an anonymous loan offer. ### Create consumer loan application - [POST /v1/persons/{person_id}/consumer_loan_applications](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.createoperation.md): Creates a consumer loan application and assigns it to the person with the person_id specified in the request URL. The payload of the request 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. ### Retrieve consumer loan application - [GET /v1/persons/{person_id}/consumer_loan_applications/{application_id}](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.showoperation.md): Returns the current status and details of an existing consumer loan application. Additionally, you can subscribe to the webhook event CONSUMER_LOAN_APPLICATION to receive status updates on the application. ### Skip the account snapshot process for a consumer loan application - [PUT /v1/persons/{person_id}/consumer_loan_applications/{application_id}/skip_account_snapshot](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.skipaccountsnapshotoperation.md): Skips the processing of an account snapshot in relation to the consumer loan application specified in the request URL. ### Link an account snapshot to a consumer loan application - [PUT /v1/persons/{person_id}/consumer_loan_applications/{application_id}/account_snapshot](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.linkaccountsnapshotoperation.md): Links a customer's account snapshot to their consumer loan application. You must include the account_snapshot_id in the request body. This call triggers the credit scorer to complete the final verification step. ### Upload the purchase contract related to the financed good - [PUT /v1/persons/{person_id}/consumer_loan_applications/{application_id}/upload_purchase_contract](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.uploadpurchasecontractoperation.md): Uploads the purchase contract of the financed good purchased with the loan. You must include the details of the signature position in the payload. ### Generate a subsidized offer for a consumer loan - [POST /v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/subsidize](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.createsubsidizedofferoperation.md): Creates a subsidized loan offer with a reduced interest rate from the original offer. You must add the required interest rate in the request body to receive the new offer. ### Download the pre-contractual information for consumer loan - [GET /v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/pre_contract](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.downloadofferprecontractoperation.md): Downloads a SECCI form as a PDF, which is the overview of the final offer and the contract. You must share it with the customer to review it prior to the identification and e-signing process. ### Download the final contract for a consumer loan - [GET /v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/contract](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.downloadoffercontractoperation.md): Generates the final contract for a consumer loan, which the customer must e-sign during the identification and e-signing process. ### Create a consumer loan - [PUT /v1/persons/{person_id}/consumer_loan_applications/{application_id}/consumer_loan](https://docs.solarisgroup.com/api-reference/lending/loans/consumer-loan/consumerloanweb.v1.applications.createloanoperation.md): Creates a loan and issues the loan payout to the customer's specified IBAN. The status of the consumer loan application will change to loan_created after calling this endpoint.