# 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 and pay later model.

**How does it work?**

Customers apply for a credit line through your frontend, and based on the credit scoring results, Solaris will offer the customer a credit line with a specific limit for an unlimited term. Within the credit line limit, customers can instantly apply for single installment loans.

**Solaris Splitpay products**

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

- Consumers (Retail customers)
- Freelancers


## Splitpay guides

The following links will take you to the integration guide of each Splitpay product:

- [Consumer Splitpay](/guides/lending/splitpay/consumer-splitpay)
- [Freelancer Splitpay](/guides/lending/splitpay/freelancer-splitpay)


Splitpay is currently only available to customers in Germany.

## Splitpay API reference

The following links will take you to the API reference documentation for the Splitpay products:

- [Splitpay for retail customers API Reference documentation](/api-reference/lending/splitpay/#tag/Consumer-Credit-Line)
- [Splitpay for freelancers API Reference documentation](/api-reference/lending/splitpay/#tag/Freelancer-Credit-Line)