Consumer Lending
The easiest way to offer consumer loans in your own branding
Our API-based solution enables you to integrate consumer loans directly into your product. Our swift application process is fully digital, paperless and mobile, allowing your customers to receive a credit decision as fast as 10 minutes.
Fully digital loan application in your branding
Our white-label solution integrates seamlessly into your online applications, creating an unbroken customer journey entirely in your look and feel.
Ready for your business model
Challenger banks
E-commerce
Credit intermediaries
Whatever your business case may be, our adaptive APIs allow you to tailor your lending solution to your needs.
Talk to usYour benefits
End-to-end solution
Our comprehensive solution includes customer onboarding, identification, automated risk-assessment, pay out and regulatory reporting.
Flexibility
The initial 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
Our adaptive and risk-based pricing adjusts to meet your changing customer demands.
Access to our ecosystem
Our Consumer Lending API can be combined seamlessly with other Solaris offerings like overdrafts, accounts and cards.
Cross-border expansion
Our APIs are built to scale. We can help you expand your business internationally by passporting our full German Banking license into 30 EEA countries.
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.