--- title: "Create consumer loan application" method: POST path: "/v1/persons/{person_id}/consumer_loan_applications" tags: ["Consumer Loan"] --- # Create consumer loan application `POST /v1/persons/{person_id}/consumer_loan_applications` Creates a consumer loan application and assigns it to the person with the `person_id` specified in the request URL. The payload of the request 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 - ConsumerLoanCreateApplicationRequest - `seller` string, nullable — The name of the seller of the financed good. - `payout_description` string, nullable — Additional details around the loan payout. - `solarisbank_scoring` string, nullable — Solaris' score for the customer. - `private_insurance_amount` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `recipient_iban` string, nullable — The IBAN of the recipient's account. This account will be debited with a SEPA Direct Debit (SDD) in the amount of the loan's monthly installment. Unless stated otherwise in your configurations, the loan will also be paid out to this account. - `payout_account_name` string, nullable — The name of the payout account holder (i.e., the account to which the loan will be paid out). You may only use this field if your configurations allow it via `allow_loan_specific_payout_account_ibans`. - `existing_credit_repayment_excluding_mortgage` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `mortgage` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `requested_interest_rate` number, float, nullable — The requested monthly interest rate to apply to the loan. - `requested_loan_term` integer, required — The number of months over which the loan will be repaid. - `payout_account_iban` string, nullable — The IBAN (different from recipient_iban) to which the loan will be paid out. You may only use this field if your configurations allow it via `allow_loan_specific_payout_account_ibans`. - `moved_in_last_two_years` boolean, required — Field to indicate whether the customer has moved and changed addresses in the last two years. - `credit_record_id` string, required — The unique ID of a customer's credit record. - `loan_purpose` string, required — The purpose of the loan. - `delayed_payout_strategy` 'none' | 'after_revocation' — Field to indicate the payout strategy to be applied to the loan. If set to `none`, then the loan payout will happen automatically. - `living_situation` 'LIVING_WITH_PARENTS' | 'LIVING_IN_RENTED_HOUSE' | 'LIVING_IN_OWN_HOUSE', required — The customer's living situation. - `partner_score` string, nullable — The score assigned to the customer by your internal scoring flow. - `financed_good` string, nullable — The financed good that was purchased using the loan. - `repayment_day_of_month` 1 | 15, required — The day of the month when the customer pays the loan installment. - `number_of_dependents` integer, required — The number of dependents the customer has. - `employment_since` string, date, nullable — The date when the customer started their current employment. - `partner_reference_number` string, required — Your internal reference number for the customer. - `cash_price` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `number_of_kids` integer, nullable — The number of kids the customer has. - `requested_loan_amount` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `is_joint_application` boolean, nullable — A field to indicate whether the application is a joint application or not. - `employment_until` string, date, nullable — The date when the customer ended an employment. - `net_income_amount` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `solarisbank_risk_class` integer, nullable — The risk class assigned to the customer by Solaris. - `additional_costs` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `rent` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `living_situation_amount` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `requested_emi` SolarisToolkitWebMoney - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. ## Response `200` Application - ConsumerLoanGetBindingOfferResponse - `offer` ConsumerLoanOffer, nullable - `type` 'original' | 'decreased_amount' | 'increased_term', required — The type of the loan offer. - `subsidized` boolean, required — A field to indicate whether the loan offer is subsidized or not. - `monthly_installment` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `loan_term` integer, required — The number of months over which the loan will be repaid. - `loan_amount` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `interest_rate` number, float, required — The offered monthly interest rate to be applied to the loan. - `id` string, required — The unique ID of the loan offer. - `effective_interest_rate` number, float, required — The annual effective interest rate to be applied to the loan. - `approximate_total_loan_expenses` SolarisToolkitWebMoney, required - `value` integer, required — The amount value - `unit` 'cents', required — The unit of the given value. - `currency` string, required — The currency of the given value. Only EURO is currently supported. - `annual_percentage_rate` number, float, required — A percentage that represents the yearly cost of funds over the term of a loan. It includes interest, fees and additional costs associated with a loan. - `loan_decision` 'REJECTED' | 'OFFERED' | 'OFFERED_ALTERNATIVE', required — Solaris' decision on the consumer loan application. - `id` string, required — The unique ID of the loan offer. - `customer_category` 'AMBER' | 'GREEN' | 'RED', nullable — The customer's risk category as scored by Solaris' scoring system. ## Other responses - `400` — Bad Request - `422` — Unprocessable Entity --- [API](https://skmtc.net/solarisgroup/apis/loans.md) · [All operations](https://skmtc.net/solarisgroup/apis/loans/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/loans/revisions/8f580eff2157/schema)