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latestOpenAPI 3.0.02026-08-102034118.0 KB

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Consumer Loan

Create anonymous loan offer

Generates a non-binding anonymous loan offer for a customer based on their self-declared and unverified financial information.

post/v1/anonymous_consumer_loan_offers

Request body

requested_loan_terminteger required

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

requested_interest_ratenumber float nullable

The requested monthly interest rate to apply to the loan.

partner_reference_numberstring nullable

Your internal reference number for the customer.

number_of_kidsinteger nullable

The number of kids the customer has.

number_of_dependentsinteger required

The number of dependents the customer has.

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

The customer's living situation.

is_joint_applicationboolean nullable

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

Example request

{
  "requested_loan_term": 24,
  "requested_loan_amount": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "requested_interest_rate": 0.02,
  "requested_emi": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "private_insurance_amount": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "net_income_amount": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "living_situation_amount": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "living_situation": "LIVING_IN_RENTED_HOUSE",
  "existing_credit_repayment_excluding_mortgage": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "additional_costs": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  }
}

Response

Anonymous Offer

loan_decision'REJECTED' | 'OFFERED' required

Solaris' decision on the loan application.

Example response

{
  "offer": {
    "monthly_installment": {
      "value": 1000,
      "unit": "cents",
      "currency": "EUR"
    },
    "loan_term": 24,
    "loan_amount": {
      "value": 1000,
      "unit": "cents",
      "currency": "EUR"
    },
    "interest_rate": 0.02
  },
  "loan_decision": "OFFERED"
}