Generates a non-binding anonymous loan offer for a customer based on their self-declared and unverified financial information.
- Retrieve two thirds rates
Loans (1.0)
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/
The anonymous offer attributes
The customer's living situation.
The customer's living monthly expenses, e.g., rent or mortgage, utilities, health insurance, etc.
The currency of the given value. Only EURO is currently supported.
The customer's net income amount in EUR after tax deduction.
The amount of the private insurance the customer pays monthly.
The currency of the given value. Only EURO is currently supported.
The loan amount requested by the customer.
The number of months over which the loan will be repaid as requested by the customer.
The requested monthly interest rate to apply to the loan.
The requested equated monthly installment (EMI) the customer wants to pay each month to repay the loan principal and interest (in EUR).
A field to indicate whether the application is a joint application or not.
The customer's existing debt repayments (in EUR) (excluding mortgage payments).
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/anonymous_consumer_loan_offers
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "requested_loan_term": 24, "requested_loan_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "requested_interest_rate": 0.02, "requested_emi": { "value": 1000, "unit": "cents", "currency": "EUR" }, "private_insurance_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "partner_reference_number": "string", "number_of_kids": 0, "number_of_dependents": 0, "net_income_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "living_situation_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "living_situation": "LIVING_IN_RENTED_HOUSE", "is_joint_application": true, "existing_credit_repayment_excluding_mortgage": { "value": 1000, "unit": "cents", "currency": "EUR" }, "additional_costs": { "value": 1000, "unit": "cents", "currency": "EUR" } }
{ "offer": { "monthly_installment": { … }, "loan_term": 24, "loan_amount": { … }, "interest_rate": 0.02 }, "loan_decision": "OFFERED" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/consumer_loans/two_thirds_rates
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
{ "two_thirds_rate": { "6": 0.04, "12": 0.04, "18": 0.04 } }
Request
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.
The application attributes
The unique ID of a customer's credit record.
The customer's living situation.
The customer's living monthly expenses, i.e., rent or mortgage, utilities, health insurance, etc.
The currency of the given value. Only EURO is currently supported.
Field to indicate whether the customer has moved and changed addresses in the last two years.
The customer's net income amount in EUR after tax deduction.
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 loan amount requested by the customer.
The IBAN of the recipient's account. This account will be debited with a SEPA Direct Debit (SDD) in the amount of the loan's monthly installment. Unless stated otherwise in your configurations, the loan will also be paid out to this account.
The name of the payout account holder (i.e., the account to which the loan will be paid out). You may only use this field if your configurations allow it via allow_loan_specific_payout_account_ibans
.
The customer's existing debt repayments (in EUR) (excluding mortgage payments).
The requested monthly interest rate to apply to the loan.
The IBAN (different from recipient_iban) to which the loan will be paid out. You may only use this field if your configurations allow it via allow_loan_specific_payout_account_ibans
.
Field to indicate the payout strategy to be applied to the loan. If set to none
, then the loan payout will happen automatically.
The date when the customer started their current employment.
The cash price of the financed good (i.e., net price without financing fees, interest).
A field to indicate whether the application is a joint application or not.
Any additional costs the customer incurs on a regular basis.
The requested equated monthly installment (EMI) in EUR the customer wants to pay each month to repay the loan principal and interest.
The customer's mortgage payments (in EUR).
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "seller": "string", "payout_description": "string", "solarisbank_scoring": "string", "private_insurance_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "recipient_iban": "DE92370601930002130041", "payout_account_name": "string", "existing_credit_repayment_excluding_mortgage": { "value": 1000, "unit": "cents", "currency": "EUR" }, "mortgage": { "value": 1000, "unit": "cents", "currency": "EUR" }, "requested_interest_rate": 0.02, "requested_loan_term": 0, "payout_account_iban": "string", "moved_in_last_two_years": true, "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd", "loan_purpose": "Buying a car.", "delayed_payout_strategy": "none", "living_situation": "LIVING_IN_RENTED_HOUSE", "partner_score": "string", "financed_good": "string", "repayment_day_of_month": 1, "number_of_dependents": 0, "employment_since": "2019-08-24", "partner_reference_number": "string", "cash_price": { "value": 1000, "unit": "cents", "currency": "EUR" }, "number_of_kids": 0, "requested_loan_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "is_joint_application": true, "employment_until": "2019-08-24", "net_income_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "solarisbank_risk_class": 0, "additional_costs": { "value": 1000, "unit": "cents", "currency": "EUR" }, "rent": { "value": 1000, "unit": "cents", "currency": "EUR" }, "living_situation_amount": { "value": 1000, "unit": "cents", "currency": "EUR" }, "requested_emi": { "value": 1000, "unit": "cents", "currency": "EUR" } }
Application
Solaris' decision on the consumer loan application.
{ "offer": { "type": "original", "subsidized": false, "monthly_installment": { … }, "loan_term": 36, "loan_amount": { … }, "interest_rate": 0.12, "id": "105a0fa505f44afea4b433d170b83d87cofr", "effective_interest_rate": 0.13, "approximate_total_loan_expenses": { … }, "annual_percentage_rate": 0.13 }, "loan_decision": "OFFERED", "id": "9b3147c5498b405d9402630bc308ad0ecofr", "customer_category": "GREEN" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
Application
The unique ID of a customer's consumer loan application.
The status of a consumer loan application.
The ID of the signing resource, created after the customer's identification and e-signing process has been triggered.
Field to indicate the payout strategy to be applied to the loan. If set to none
, then the loan payout will happen automatically.
The cash price of the financed good (i.e., net price without financing fees, interest).
{ "status_description": "string", "status": "esign_pending", "skip_account_snapshot": true, "signing_id": "7c63600ddddec4f2668893af39c1b814csig", "seller": "string", "payout_description": "string", "loan_id": "string", "id": "108787ede6b743dcbe0c3398bc4a6ce8clap", "financed_good": "string", "delayed_payout_strategy": "none", "cash_price": { "value": 1000, "unit": "cents", "currency": "EUR" }, "approximate_total_loan_expenses": { "value": 1000, "unit": "cents", "currency": "EUR" } }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/skip_account_snapshot
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{}
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/account_snapshot
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "account_snapshot_id": "2a9fbb2fc5be45f7b8ca782c45715576snap" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/upload_purchase_contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "signature_position": { "width": 0, "page": "string", "left": 0, "height": 0, "bottom": 0 }, "file": "string" }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/subsidize
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{ "interest_rate": 0.02 }
Subsidized loan offer
The loan amount offered to the customer.
The offered monthly interest rate to be applied to the loan.
A percentage that represents the yearly cost of funds over the term of a loan. It includes interest, fees and additional costs associated with a loan.
The annual effective interest rate to be applied to the loan.
An approximate amount of the loan total expenses (e.g., costs and expenses the lender incurred during a loan lifecycle).
The currency of the given value. Only EURO is currently supported.
{ "type": "original", "subsidized": false, "monthly_installment": { "value": 10000000, "unit": "cents", "currency": "EUR" }, "loan_term": 36, "loan_amount": { "value": 10000000, "unit": "cents", "currency": "EUR" }, "interest_rate": 0.12, "id": "105a0fa505f44afea4b433d170b83d87cofr", "effective_interest_rate": 0.13, "approximate_total_loan_expenses": { "value": 10000000, "unit": "cents", "currency": "EUR" }, "annual_percentage_rate": 0.13 }
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/pre_contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/contract
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
No request payload
- Mock Server
https://docs.solarisgroup.com/_mock/api-reference/lending/loans/v1/persons/{person_id}/consumer_loan_applications/{application_id}/consumer_loan
- Payload
- cURL
- Java
- Python
- Node.js
- Go
- Ruby
- PHP
{}
{ "id": "6c8b5faf3c2d4a5682c5c80ef7382387cloa" }