latestOpenAPI 3.0.02026-08-101924100.1 KB

7fb31ddc103c

Consumer fronting

Create consumer fronting loan application

Creates a consumer fronting loan application and assigns it to the person with the person_id specified in the request URL. The payload of this endpoint 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.

post/v1/consumers/persons/{person_id}/fronting_loan_applications

Path parameters

person_idstring required

The person ID of the customer applying for a fronting loan.

Request body

agionumber float

The credit commission amount.

credit_record_idstring nullable

The unique ID of a customer's credit record.

debt_burden_rationumber float nullable

The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)

effective_interest_ratenumber float nullable

The effective annual interest rate to apply to the fronting loan.

employment_sincestring date nullable

The date when the customer started their current employment.

employment_untilstring date nullable

The date when the customer ended an employment.

is_joint_applicationboolean nullable

A field to indicate whether the application is a joint application or not.

living_situation'LIVING_WITH_PARENTS' | 'LIVING_IN_RENTED_HOUSE' | 'LIVING_IN_OWN_HOUSE' required

The customer's living situation.

loan_purposestring required

The purpose of the loan.

moved_in_last_two_yearsboolean nullable

Field to indicate whether the customer has moved and changed addresses in the last two years.

number_of_kidsinteger required

The number of kids the customer has.

partner_reference_numberstring nullable

Your internal reference number for the customer.

partner_scorestring nullable

The score assigned to the customer by your internal scoring flow.

partner_snapshot_allowedboolean required

A field to indicate whether it's allowed for you to create an account snapshot for the customer or not.

payout_datestring date nullable

The date when the loan was paid out to the customer.

probability_of_defaultnumber float nullable

The percentage of the customer's probability of default as scored by your internal scoring system. (0.0 means 0%, 100.0 means 100%, 1.0 means 1%)

recipient_ibanstring nullable

The IBAN of the loan's recipient to which the loan will be paid out.

recipient_namestring nullable

The name of the loan recipient.

repayment_day_of_monthinteger required

The day of the month when the customer pays the loan installment.

requested_interest_ratenumber float required

The requested interest rate to apply to the fronting loan.

requested_loan_terminteger required

The number of months over which the loan will be repaid, as requested by the customer.

transaction_descriptionstring required

The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.

transaction_end_to_end_idstring

SEPA identifier (provided by the end customer who initiated the SEPA transaction), routed through the whole payment process. (Max 35 characters without whitespace)

Example request

{
  "credit_record_id": "fbb7d15fa4c54ba0b077592665ef04a4ccrd",
  "effective_interest_rate": 0.04,
  "employment_since": "2019-08-24",
  "existing_credit_repayment_excluding_mortgage": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "living_situation": "LIVING_IN_RENTED_HOUSE",
  "living_situation_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "loan_purpose": "Buying a car",
  "net_income_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "number_of_kids": 1,
  "payout_date": "2021-08-24",
  "private_insurance_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "recipient_iban": "DE92370601930002130041",
  "recipient_name": "Max Mustermann",
  "repayment_day_of_month": 1,
  "requested_interest_rate": 0.02,
  "requested_loan_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "requested_loan_term": 24,
  "total_interest_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "total_principle_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "total_repaid_loan_amount": {
    "currency": "EUR",
    "unit": "cents",
    "value": 1000
  },
  "transaction_end_to_end_id": "123322332"
}

Response

Application

account_snapshot_idstring nullable

The unique ID of a customer's account snapshot.

agionumber float required

The credit commission amount.

credit_record_idstring nullable

The unique ID of a customer's credit record.

debt_burden_rationumber float nullable

The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income.

decisionstring

Solaris' decision on the consumer fronting loan application.

effective_interest_ratenumber nullable

The effective annual interest rate to apply to the fronting loan.

idstring required

The unique ID of a consumer fronting loan application.

identification_origination_idstring nullable

The unique ID of the identification origination resource created for a customer in the scope of a fronting loan application.