# Consumer Overdrafts

## Create Consumer Overdraft Application

 - [POST /v1/persons/{person_id}/consumer_overdraft_applications](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.applications.createoperation.md): Creates a consumer overdraft application and assigns it to the  with the given  in the path parameter. Before calling this endpoint, you must collect the required information from the customer, such as the employment status and income declaration and the consent to the account snapshot and credit check. Additionally, you need to create a credit record for the customer. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.

## Get Consumer Overdraft Application

 - [GET /v1/persons/{person_id}/consumer_overdraft_applications/{overdraft_application_id}](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.applications.showoperation.md): Returns the status and details of an existing consumer overdraft application.

## List Consumer Overdraft Applications

 - [GET /v1/persons/consumer_overdraft_applications](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.applications.indexoperation.md)

## Download the pre-contractual information for consumer overdraft

 - [GET /v1/persons/{person_id}/consumer_overdraft_applications/{application_id}/pre_contract](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.applications.downloadprecontractoperation.md): Generates a SECCI form, which is the overview of the final offer and the contract. This endpoint downloads the SECCI form as a PDF, which you must share with the customer to review the data based on which the final contract is generated.

## Download the conditions form information for consumer overdraft

 - [GET /v1/persons/{person_id}/consumer_overdraft_applications/{application_id}/conditions](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.applications.downloadconditionsoperation.md): Generates a conditions form, which is the overview of all conditions. This is an unsigned document and essentially replaces the contract document for overdrafts.

## Create Consumer Overdraft

 - [PUT /v1/persons/{person_id}/consumer_overdraft_applications/{overdraft_application_id}/overdraft](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.overdrafts.createoperation.md): Creates a consumer overdraft and activates the offered overdraft limit in the customer's account. After Solaris approves a consumer overdraft application, you have to call this endpoint and the overdraft amount will be set as an external limit to the customer's account.

## Get Consumer Overdraft

 - [GET /v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.overdrafts.showoperation.md): Returns all the details of an existing consumer overdraft, assigned to the  with the given  in the path parameter.

## List Consumer Overdrafts

 - [GET /v1/persons/consumer_overdrafts](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.overdrafts.indexoperation.md): This endpoint returns a list containing all consumer overdrafts for all of your customers.

## Download the pre-contractual information for consumer overdraft limit increase

 - [GET /v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/limit_changes/{limit_change_id}/pre_contract](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.limitchanges.downloadprecontractoperation.md): Generates a SECCI form for limit increase request, which is the overview of the final offer and the contract. This endpoint downloads the SECCI form as a PDF, which you must share with the customer to review the data based on which the final contract is generated.

## Download the conditions form information for consumer overdraft limit increase

 - [GET /v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/limit_changes/{limit_change_id}/conditions](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.limitchanges.downloadconditionsoperation.md): Generates a conditions form for limit increase request, which is the overview of all conditions. This is an unsigned document and essentially replaces the contract document for overdrafts.

## Terminate a Consumer Overdraft

 - [POST /v1/persons/{person_id}/consumer_overdrafts/{overdraft_id}/terminate](https://docs.solarisgroup.com/api-reference/lending/overdrafts/consumer-overdrafts/overdraftweb.v1.consumer.overdrafts.terminateoperation.md): Terminates a consumer overdraft. This operation is only possible if the account balance is  or  after booking the accrued interest from the overdraft usage on the account.