Consumer Lending Icon
Consumer Lending

Digital consumer loans in your branding

Our white-label solution integrates seamlessly into your online application, allowing for an unbroken customer journey entirely in your look and feel.

Ready for your business model

Look at some examples of how different players benefit from offering digital consumer loans.

Challenger Banks icon

Challenger Banks

Challenger Banks looking to enrich their product portfolio with digital consumer loans can simply integrate the consumer lending API into their offering.

E-commerce icon

E-commerce

E-commerce retailers can generate new revenue streams and customer touch points by giving their customers the option to pay via loan online without ever leaving the customer journey.

Credit intermediaries icon

Credit intermediaries

Credit Intermediaries can leverage their position further by offering branded loans directly through their online portals with solarisBank.

Your Benefits

End-to-end Solution

End-to-end Solution

We offer a full service that includes customer onboarding, identification, automated risk-assessment, pay out and regulatory reporting.

 Flexibility

Flexibility

The underwriting and scoring process can be done by yourself or by us. Our risk sharing model allows for a flexible participation in the interest revenue based on your risk appetite.

Adaptive Pricing

Adaptive Pricing

Our adaptive and risk-based pricing adjusts to meet your changing customer demands.

Access to our Ecosystem

Access to our Ecosystem

The consumer loan can be seamlessly integrated with other solarisBank offerings like overdrafts, accounts and cards.

Cross-border Expansion

Cross-border Expansion

Our APIs are built for scalability. Expand your business internationally by passporting our full German Banking license into 31 EEA countries.

Fast time to market

Fast time to market

Our white label solution speeds up the lending process by automating the risk assessment and digitizing the authentication and signing process.

Our Features

  • By providing information about duration and amount of the loan, the API returns a unique ID to which follow up scoring and personal information will be attached.

    Example API Endpoints

    POST /credit
  • This endpoint creates a new scoring process and is identified by the unique value in the id field.

    Example API Endpoints

    
    POST /credit/:credit_id/score
    
  • After scoring is completed and a contract offer can be made, this information is accessible here.

    Example API Endpoints

    GET /credit/:credit_id/conditions
  • After the customer has received the legal documents needed to enter the contract via email, receipt and approval of the conditions have to be confirmed.

    Example API Endpoints

    GET /credit/:credit_id/confirm
    
  • After the customer has agreed to the terms of the provided contract, this person has to do an online identification in order to be able to digitally sign the contract.

    Example API Endpoints

    GET /credit/:credit_id/person/identification_info

Let's start offering consumer loans together

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