---
title: "Create consumer fronting loan application"
method: POST
path: "/v1/consumers/persons/{person_id}/fronting_loan_applications"
tags: ["Consumer fronting"]
---

# Create consumer fronting loan application

`POST /v1/consumers/persons/{person_id}/fronting_loan_applications`

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.

## Path parameters

- `person_id` string, required

## Request body

- FrontingLoansWebConsumerCreateApplicationRequest
  - `agio` number, float — The credit commission amount.
  - `credit_record_id` string, nullable — The unique ID of a customer's credit record.
  - `debt_burden_ratio` number, 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_rate` number, float, nullable — The effective annual interest rate to apply to the fronting loan.
  - `employment_since` string, date, nullable — The date when the customer started their current employment.
  - `employment_until` string, date, nullable — The date when the customer ended an employment.
  - `existing_credit_repayment_excluding_mortgage` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `is_joint_application` boolean, 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.
  - `living_situation_amount` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `loan_purpose` string, required — The purpose of the loan.
  - `moved_in_last_two_years` boolean, nullable — Field to indicate whether the customer has moved and changed addresses in the last two years.
  - `net_income_amount` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `number_of_kids` integer, required — The number of kids the customer has.
  - `partner_reference_number` string, nullable — Your internal reference number for the customer.
  - `partner_score` string, nullable — The score assigned to the customer by your internal scoring flow.
  - `partner_snapshot_allowed` boolean, required — A field to indicate whether it's allowed for you to create an account snapshot for the customer or not.
  - `payout_date` string, date, nullable — The date when the loan was paid out to the customer.
  - `private_insurance_amount` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `probability_of_default` number, 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_iban` string, nullable — The IBAN of the loan's recipient to which the loan will be paid out.
  - `recipient_name` string, nullable — The name of the loan recipient.
  - `repayment_day_of_month` integer, required — The day of the month when the customer pays the loan installment.
  - `requested_interest_rate` number, float, required — The requested interest rate to apply to the fronting loan.
  - `requested_loan_amount` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `requested_loan_term` integer, required — The number of months over which the loan will be repaid, as requested by the customer.
  - `total_interest_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `total_principle_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `total_repaid_loan_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `transaction_description` string, required — The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
  - `transaction_end_to_end_id` string — SEPA identifier (provided by the end customer who initiated the SEPA transaction), routed through the whole payment process. (Max 35 characters without whitespace)

## Response `201`

Application

- FrontingLoansWebConsumerGetApplicationResponse
  - `account_snapshot_id` string, nullable — The unique ID of a customer's account snapshot.
  - `agio` number, float, required — The credit commission amount.
  - `credit_record_id` string, nullable — The unique ID of a customer's credit record.
  - `debt_burden_ratio` number, float, nullable — The ratio of the customer's total monthly outgoing payments (including installments towards loans and credit cards) to their total income.
  - `decision` string — Solaris' decision on the consumer fronting loan application.
  - `effective_interest_rate` number, nullable — The effective annual interest rate to apply to the fronting loan.
  - `id` string, required — The unique ID of a consumer fronting loan application.
  - `identification_origination_id` string, nullable — The unique ID of the identification origination resource created for a customer in the scope of a fronting loan application.
  - `loan_purpose` string, required — The purpose of the loan.
  - `net_income_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `partner_id` string, required — The unique partner ID on Solaris' system.
  - `partner_reference_number` string, nullable — Your internal reference number for the customer.
  - `partner_score` string, nullable — The score assigned to the customer by your internal scoring flow.
  - `partner_snapshot_allowed` boolean, required — A field to indicate whether it's allowed for the partner to create an account snapshot for the customer or not.
  - `payout_date` string, date, nullable — The date when the loan was paid out to the customer.
  - `person_id` string, required — The person ID of the customer applying for a fronting loan.
  - `probability_of_default` number, 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_iban` string, nullable — The IBAN of the loan's recipient to which the loan will be paid out.
  - `recipient_name` string, nullable — The name of the loan recipient.
  - `requested_interest_rate` number, nullable — The requested interest rate to apply to the fronting loan.
  - `requested_loan_amount` SolarisToolkitWebMoney, required
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `requested_loan_term` integer, nullable — The number of months over which the loan will be repaid, as requested by the customer.
  - `status` 'account_snapshot_pending' | 'scoring_pending' | 'offered' | 'identification_trigger_pending' | 'identification_pending' | 'accepted' | 'rejected' | 'expired' | 'loan_created' | 'binding_offer_scoring_pending', required — The status of the consumer fronting loan application.
  - `total_interest_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `total_principle_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `total_repaid_loan_amount` SolarisToolkitWebMoney
    - `currency` string, required — The currency of the given value. Only EURO is currently supported.
    - `unit` 'cents', required — The unit of the given value.
    - `value` integer, required — The amount value
  - `transaction_description` string, required — The transaction reference, which the recipient will see. Only use characters allowed by SEPA in this field.
  - `transaction_end_to_end_id` string, nullable — SEPA identifier (provided by the end customer who initiated the SEPA transaction), routed through the whole payment process. (Max 35 characters without whitespace)

## Other responses

- `400` — Invalid request
- `403` — Forbidden
- `404` — Not Found
- `409` — Conflict
- `422` — Unprocessable Entity

---

[API](https://skmtc.net/solarisgroup/apis/fronting.md) · [All operations](https://skmtc.net/solarisgroup/apis/fronting/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/fronting/revisions/7fb31ddc103c/schema)