# 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  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  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  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  of the consumer loan application will change to  after calling this endpoint.