---
title: "Create Consumer Overdraft Application"
method: POST
path: "/v1/persons/{person_id}/consumer_overdraft_applications"
tags: ["Consumer Overdrafts"]
---

# Create Consumer Overdraft Application

`POST /v1/persons/{person_id}/consumer_overdraft_applications`

Creates a consumer overdraft application and assigns it to the `person` with the given `person_id` in the path parameter. Before calling this endpoint, you must collect the required information from the customer, such as the employment status and income declaration and the consent to the account snapshot and credit check. Additionally, you need to create a credit record for the customer. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.

## Path parameters

- `person_id` string, required

## Request body

- OverdraftWebConsumerCreateApplicationRequest
  - `partner_risk_class` string — The risk class assigned to a customer by the partner.
  - `partner_requested_limit` object, nullable — The limit requested by partner
    - `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.
  - `partner_reference_number` string — The partner's reference number.
  - `partner_contact_number` string — The number of the partner's contact person.
  - `partner_contact_name` string — The name of the partner's contact person.
  - `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.
  - `minimum_credit_risk_criteria` object, nullable — Minimum credit risk criteria fields for scorer
  - `identification_id` string, required — The unique identification ID of a person, generated after completing the person identification process.
  - `employment_status` 'EMPLOYED' | 'UNEMPLOYED' | 'PUBLIC_SECTOR_EMPLOYEE' | 'PROFESSIONAL_SOLDIER' | 'FREELANCER' | 'HOUSEWORK' | 'APPRENTICE' | 'MANAGEMENT' | 'RETIRED' | 'STUDENT' | 'SELF_EMPLOYED' | 'MILITARY_OR_COMMUNITY_SERVICE', required — The consumer's employment status, mentioned in the signed self-declaration form.
  - `credit_record_id` string — The unique ID of a credit record, generated after creating a consumer credit record.
  - `account_iban` string, required — The IBAN of a person account.

## Response `201`

Application

- OverdraftWebConsumerGetOverdraftApplicationResponse
  - `status_description` string, nullable — The description of the consumer overdraft application status.
  - `status` 'scoring_pending' | 'offered' | 'overdraft_created' | 'rejected' | 'deleted', required — The status of a consumer overdraft application.
  - `person_id` string, required — The unique person ID, generated after completing the person onboarding process.
  - `partner_risk_class` string, nullable — The risk class assigned to a customer by the partner.
  - `partner_requested_limit` SolarisToolkitWebMoneyOptional
    - `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.
  - `partner_reference_number` string, nullable — The partner's reference number.
  - `partner_id` string, required — The unique partner ID, generated after creating a partner.
  - `partner_contact_number` string, nullable — The number of the partner's contact person.
  - `partner_contact_name` string, nullable — The name of the partner's contact person.
  - `overdraft_id` string, nullable — The unique ID of a consumer overdraft, generated after an overdraft is offered.
  - `net_income_amount` 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.
  - `minimum_credit_risk_criteria` object, nullable — Minimum credit risk criteria fields for scorer
  - `limit` SolarisToolkitWebMoneyOptional
    - `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_accrual_rate` number, float, nullable — Scorer rate for risk based pricing
  - `identification_id` string, required — The unique identification ID of a person, generated after completing the person identification process.
  - `id` string, required — The unique ID of a consumer overdraft application.
  - `employment_status` 'EMPLOYED' | 'UNEMPLOYED' | 'PUBLIC_SECTOR_EMPLOYEE' | 'PROFESSIONAL_SOLDIER' | 'FREELANCER' | 'HOUSEWORK' | 'APPRENTICE' | 'MANAGEMENT' | 'RETIRED' | 'STUDENT' | 'SELF_EMPLOYED' | 'MILITARY_OR_COMMUNITY_SERVICE', nullable — The consumer's employment status, mentioned in the signed self-declaration form.
  - `credit_record_id` string, nullable — The unique ID of a credit record, generated after creating a consumer credit record.
  - `created_at` string, datetime, required — The date and time the consumer overdraft application was created.
  - `account_iban` string, required — The IBAN of a person account.

## Other responses

- `400` — Invalid request
- `404` — Not Found
- `409` — Conflict

---

[API](https://skmtc.net/solarisgroup/apis/overdrafts.md) · [All operations](https://skmtc.net/solarisgroup/apis/overdrafts/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/overdrafts/revisions/ab5ecf64ab87/schema)