---
title: "Create a consumer credit line application"
method: POST
path: "/v1/persons/{person_id}/credit_line_applications"
tags: ["Consumer Credit Line"]
---

# Create a consumer credit line application

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

Creates a consumer credit line application and assigns it to the person with the `person_id` included in the request URL. The payload of this endpoint includes all the required financial information and account data about the applicant, which the credit scorer uses to initiate a series of credit checks. See the [Consumer Splitpay guide](https://docs.solarisgroup.com/guides/lending/splitpay/consumer-splitpay/) for the list of mandatory properties.

## Path parameters

- `person_id` string, required

## Request body

- ConsumerCreditLineWebCreateApplicationRequest — The exact list of required attributes depends on your product configurations. Please note that you need a valid `credit_record_id` to create a credit line application.
  - `requested_credit_limit` 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
  - `repayment_day_of_month` 1 | 15, nullable — The day of the month when the customer repays the monthly installment.
  - `recipient_iban` string, nullable — The IBAN of the customer's account to use for the account snapshot.
  - `private_insurance_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
  - `pre_selected_by_partner` boolean, nullable — Field to indicate whether the customer is already pre-selected based on your internal scoring flow.
  - `partner_score` string, nullable — Field to enter your internal scoring of the customer.
  - `partner_reference_number` string, nullable — Field to enter your internal reference number for the customer.
  - `number_of_dependents` integer, nullable — The number of persons depending on the customer's income, e.g., family members.
  - `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
  - `moved_in_last_two_years` boolean, nullable — Field to indicate whether the customer has moved and changed addresses in the last two years.
  - `marriage_status` 'MARRIED' | 'UNMARRIED' | 'DIVORCED' | 'UNKNOWN', nullable — The customer's marital status.
  - `living_situation_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
  - `living_situation` 'LIVING_WITH_PARENTS' | 'LIVING_IN_RENTED_HOUSE' | 'LIVING_IN_OWN_HOUSE', nullable — The customer's living situation.
  - `identification_id` string, nullable — The unique ID of a customer's identification resource.
  - `existing_credit_repayment_excluding_mortgage` 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
  - `employment_since` string, date, nullable — The date when the customer began their current employment.
  - `credit_record_id` string, nullable — The unique ID of a customer's credit record.

## Response `201`

Application

- ConsumerCreditLineWebGetApplicationResponse
  - `status_description` string, nullable — Additional details about the credit line application status.
  - `status` 'initial_scoring_pending' | 'account_snapshot_pending' | 'account_snapshot_verification_pending' | 'identification_pending' | 'offered' | 'esign_pending' | 'esign_complete' | 'esign_failed' | 'credit_line_creation_pending' | 'credit_line_created' | 'expired' | 'deleted' | 'rejected' | 'scoring_pending', required — The status of a consumer credit line application.
  - `signing_id` string, nullable — The ID of the signing resource, created after the customer's identification and e-signing process has been triggered.
  - `scoring_workflow` object, nullable — An object containing certain actions required for the scoring process.
    - `required_actions` object[] — Actions you must complete for the scoring process.
      - `required` string, nullable
  - `recipient_iban` string, nullable — The IBAN of the customer's account to use for the account snapshot.
  - `reason` string, nullable — The reason(s) for rejecting a credit line application.
  - `person_id` string, required — The person ID of the customer applying for the credit line.
  - `partner_reference_number` string, nullable — The partner reference number.
  - `offered_limit` 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
  - `offered_interest_rate` number, nullable — The offered interest rate to apply to the credit line.
  - `net_disposable_income` 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
  - `marriage_status` 'MARRIED' | 'UNMARRIED' | 'DIVORCED' | 'UNKNOWN', nullable — The customer's marital status.
  - `identification_id` string, nullable — The unique ID of a customer's identification resource.
  - `id` string, required — The unique ID of a consumer credit line application.
  - `employment_status` 'EMPLOYED' | 'UNEMPLOYED' | 'PUBLIC_SECTOR_EMPLOYEE' | 'PROFESSIONAL_SOLDIER' | 'FREELANCER' | 'HOUSEWORK' | 'APPRENTICE' | 'MANAGEMENT' | 'RETIRED' | 'STUDENT' | 'SELF_EMPLOYED' | 'MILITARY_OR_COMMUNITY_SERVICE', nullable — The customer's employment status.
  - `decision` 'REJECTED' | 'OFFERED', nullable, required — Solaris' decision on the credit line application.
  - `credit_line_id` string, nullable — The unique ID of a credit line, generated after a credit line is created.

## Other responses

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

---

[API](https://skmtc.net/solarisgroup/apis/splitpay.md) · [All operations](https://skmtc.net/solarisgroup/apis/splitpay/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/splitpay/revisions/06b62340347d/schema)