# Splitpay Overview

This section contains all information about Solaris' Splitpay products, including key concepts and the necessary endpoints for creating, activating, and servicing Splitpay applications.

## What is Splitpay?

Solaris' Splitpay is a **revolving credit product** that combines a credit line with single installment loans to offer a unique "Buy Now, Pay Later" model.

**How does it work?**

Customers apply for a credit line through your frontend. Based on the credit scoring results, Solaris offers the customer a credit line with a specific limit for an unlimited term (or renewable 12-month term in France). Within this credit line limit, customers can instantly apply for single installment loans to finance specific purchases.

**Solaris Splitpay products**

Our API-enabled Splitpay solutions are available to existing current account holders and new customers. It is currently offered to the following segments:

* **Consumers** (Retail customers)
* **Freelancers**


* **Consumer Splitpay** is available in **Germany** and **France**.
* **Freelancer Splitpay** is currently available **only** in **Germany**.


## Splitpay guides

Select the customer segment to view the specific integration guide.

Consumer Splitpay
Integration guide for retail customers.

Freelancer Splitpay
Integration guide for freelancers.

## API reference

Explore the technical API specifications for Splitpay.

Consumer Splitpay API
API Reference for Consumer segment.

Freelancer Splitpay API
API Reference for Freelancer segment.