# Create Freelancer Overdraft Application

Creates a freelancer overdraft application and assigns it to the  with the given  in the path parameter. Before calling this endpoint, you need to create a credit record for the customer and include it in the payload. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.

Endpoint: POST /v1/persons/{person_id}/overdraft_applications
Version: 1.0

## Path parameters:

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.

## Request fields (application/json):

  - `partner_risk_class` (string)
    The risk class assigned to a freelancer by the partner.
    Example: "d"

  - `partner_reference_number` (string)
    The partner's reference number.
    Example: "a123456"

  - `partner_contact_number` (string)
    The number of the partner's contact person.
    Example: "+491565904345"

  - `partner_contact_name` (string)
    The name of the partner's contact person.
    Example: "Peter Mustermann"

  - `credit_record_id` (string)
    The unique ID of a credit record, generated after creating a freelancer credit record.
    Example: "fbb7d15fa4c54ba0b077592665ef04a4ccrd"

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of a freelancer overdraft application.
    Example: "b83z264de98741018419b53648e20ca9coap"

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.
    Example: "dc1a6812a14f6cc338cd084208535bcdcper"

  - `status` (string, required)
    The status of a freelancer overdraft application.
    Enum: "initial_scoring_pending", "account_snapshot_pending", "account_snapshot_verification_pending", "offered", "rejected", "expired", "deleted", "overdraft_created"

  - `created_at` (string, required)
    The date and time the freelancer overdraft application was created.
    Example: "2021-08-03T18:01:48.000Z"

  - `rejection_reasons` (array,null)
    The reason(s) for rejecting an overdraft application.

  - `partner_risk_class` (string,null)
    The risk class assigned to a freelancer by the partner.
    Example: "d"

  - `partner_reference_number` (string,null)
    The partner's reference number.
    Example: "a123456"

  - `partner_contact_number` (string,null)
    The number of the partner's contact person.
    Example: "+491565904345"

  - `partner_contact_name` (string,null)
    The name of the partner's contact person.
    Example: "Peter Mustermann"

  - `overdraft_rate` (number)
    The interest rate applicable to the overdraft.
    Example: 9

  - `overdraft_id` (string,null)
    The unique ID of a freelancer overdraft, generated after an overdraft is offered.
    Example: "00556cd181f2409aaa6c2a033cce3a8fcovd"

  - `limit` (object,null)
    Example: {"value":1000,"unit":"cents","currency":"EUR"}

  - `limit.value` (integer, required)
    The amount value
    Example: 1000

  - `limit.currency` (string, required)
    The currency of the given value. Only EURO is currently supported.
    Example: "EUR"

  - `limit.unit` (string, required)
    The unit of the given value.
    Enum: "cents"

  - `interest_conditions_enabled` (boolean)

  - `interest_accrual_rate` (number)
    The daily rate at which interest is accrued on the used amount of an overdraft.
    Example: 3

  - `decision` (string,null)
    Solaris' decision on the overdraft application.
    Enum: "REJECTED", "OFFERED"

  - `credit_record_id` (string,null)
    The unique ID of a credit record, generated after creating a freelancer credit record.
    Example: "fbb7d15fa4c54ba0b077592665ef04a4ccrd"

  - `account_snapshot_id` (string,null)
    The unique ID of an account snapshot of a specific person account.

## Response 400 fields (application/json):

  - `title` (string)
    Example: "Failed to build pagination headers."

  - `status` (string)
    Example: "400"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Cannot connect to database."

  - `code` (string)
    Example: "build_pagination_headers_failure"

## Response 404 fields (application/json):

  - `title` (string)
    Example: "Model Not Found"

  - `status` (string)
    Example: "404"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Couldn't find 'Account' for id 'DE24112233445566'."

  - `code` (string)
    Example: "model_not_found"