post https://sandbox-api.spinwheel.io/v1/financings/applications
To get the refinancing process started, create an application by sending a POST request to the endpoint. Since applications are associated with a user and designed to be modified before they are submitted, the only required field is a userId.
Request Examples
To simplify your implementation we've put together an example for each liability type. Make sure to plug in your own values but these should get you started.
Personal loan refinancing application example
{
"financingDetails": {
"loanAmount": 10000,
"from": {
"liabilities": [
{
"liabilityType": "CREDIT_CARD",
"liabilityAccounts": [
{
"id": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
"amount": 10000,
"monthlyPayment": 371.04
}
]
}
]
},
"to": {
"liabilityType": "PERSONAL_LOAN"
},
"type": "REFINANCE",
"loanPurpose": "LP1001"
},
"userProfile": {
"personalInformation": {
"ssn": "123456789",
"ssnLastFourDigits": "6789",
"citizenshipStatus": "CS1001",
"firstName": "John",
"lastName": "Smith",
"dateOfBirth": "1988-07-23T00:00:00.000Z",
"email": "[email protected]",
"phones": [
{
"type": "HOME",
"phoneNumber": "+12345678901234"
}
],
"addresses": [
{
"addressLine1": "123 Main St",
"addressLine2": "Unit: 234",
"city": "Austin",
"state": "TX",
"zip": "78732",
"currentAddress": true,
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z"
}
]
},
"education": {
"highestDegree": "ED1002",
"educationHistory": [
{
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"degree": "ED1002",
"major": "EM1010",
"schoolId": "10145900"
}
]
},
"employment": {
"employmentHistory": [
{
"employerName": "string",
"position": "EP1001",
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"annualIncome": 10,
"type": "ET1002",
"isCurrent": true,
"industry": "ID1010"
}
]
},
"financials": {
"creditScore": 450,
"totalAssetsValue": 1000,
"assets": {
"list": [
{
"type": "PROPERTY",
"value": 1000
}
]
},
"expenses": {
"list": [
{
"type": "STUDENT_LOAN",
"monthlyExpense": 100
}
]
}
}
},
"userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1"
}
Auto loan refinancing application example
{
"financingDetails": {
"loanAmount": 10000,
"from": {
"liabilities": [
{
"liabilityType": "AUTO_LOAN",
"liabilityAccounts": [
{
"id": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
"amount": 10000,
"monthlyPayment": 371.04
}
],
"collateral": {
"vehicle": {
"year": 2018,
"make": "Honda",
"model": "Odyssey",
"trim": "LX",
"licensePlate": "6TRJ244",
"licensePlateState": "CA",
"vin": "1FBSS3BL1CDA96461",
"estimatedMileage": 62394,
"isNewVehicle": false,
"monthlyPayment": 456
}
}
}
]
},
"to": {
"liabilityType": "AUTO_LOAN"
},
"type": "REFINANCE",
"goal": "MAXIMIZE_SAVINGS"
},
"userProfile": {
"personalInformation": {
"ssn": "123456789",
"ssnLastFourDigits": "6789",
"citizenshipStatus": "CS1001",
"firstName": "John",
"lastName": "Smith",
"dateOfBirth": "1988-07-23T00:00:00.000Z",
"email": "[email protected]",
"phones": [
{
"type": "HOME",
"phoneNumber": "+12345678901234"
}
],
"addresses": [
{
"addressLine1": "123 Main St",
"addressLine2": "Unit: 234",
"city": "Austin",
"state": "TX",
"zip": "78732",
"currentAddress": true,
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z"
}
]
},
"education": {
"highestDegree": "ED1002",
"educationHistory": [
{
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"degree": "ED1002",
"major": "EM1010",
"schoolId": "10145900"
}
]
},
"employment": {
"employmentHistory": [
{
"employerName": "string",
"position": "EP1001",
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"annualIncome": 10,
"type": "ET1002",
"isCurrent": true,
"industry": "ID1010"
}
]
},
"financials": {
"creditScore": 450,
"totalAssetsValue": 1000,
"assets": {
"list": [
{
"type": "PROPERTY",
"value": 1000
}
]
},
"expenses": {
"list": [
{
"type": "STUDENT_LOAN",
"monthlyExpense": 100
}
]
}
}
},
"userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1"
}
Student loan refinancing application example
{
"financingDetails": {
"loanAmount": 13000,
"type": "REFINANCE",
"from": {
"liabilities": [
{
"liabilityType": "STUDENT_LOAN",
"liabilityAccounts": [
{
"liabilityId": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
"amount": 13000,
"monthlyPayment": 278.66
}
]
}
]
},
"to": {
"liabilityType": "STUDENT_LOAN"
},
"goal": "MAXIMIZE_SAVINGS"
},
"userProfile": {
"personalInformation": {
"ssn": "123456789",
"ssnLastFourDigits": "6789",
"citizenshipStatus": "CS1001",
"firstName": "John",
"lastName": "Smith",
"dateOfBirth": "1988-07-23T00:00:00.000Z",
"email": "[email protected]",
"phones": [
{
"type": "HOME",
"phoneNumber": "+12345678901234"
}
],
"addresses": [
{
"addressLine1": "123 Main St",
"addressLine2": "Unit: 234",
"city": "Austin",
"state": "TX",
"zip": "78732",
"currentAddress": true,
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z"
}
]
},
"education": {
"highestDegree": "ED1002",
"educationHistory": [
{
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"degree": "ED1002",
"major": "EM1010",
"schoolId": "10145900"
}
]
},
"employment": {
"employmentHistory": [
{
"employerName": "string",
"position": "EP1001",
"startDate": "2021-07-23T00:00:00.000Z",
"endDate": "2021-07-23T00:00:00.000Z",
"annualIncome": 10,
"type": "ET1002",
"isCurrent": true,
"industry": "ID1010"
}
]
},
"financials": {
"creditScore": 450,
"totalAssetsValue": 1000,
"assets": {
"list": [
{
"type": "PROPERTY",
"value": 1000
}
]
},
"expenses": {
"list": [
{
"type": "STUDENT_LOAN",
"monthlyExpense": 100
}
]
}
}
},
"userId": "8933b8ab-9893-4b85-83e3-69417a91e8c1"
}