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.
When passing the full 9-digit SSN value, be sure to use the secure endpoint https://secure-api.spinwheel.io/v1/financings
Personal loan refinancing application example - minimum request
{
"financingDetails": {
"type": "ORIGINATION",
"to": {
"liabilityType": "PERSONAL_LOAN"
},
"loanPurpose": "LP1001",
"loanAmount": 10000
},
"userProfile": {
"personalInformation": {
"firstName": "NANCY",
"lastName": "BIRKHEAD",
"dateOfBirth": "1938-10-14",
"ssn": "123456789",//do not pass the ssn key or value if you have connected this user via one of the Spinwheel Embedded Debt Connect modules
"email": "{{userEmail}}",
"phones": [
{
"type": "HOME",
"phoneNumber": "5704414264"
}
],
"addresses": [
{
"addressLine1": "378 EAST ST",
"city": "BLOOMSBURG",
"state": "PA",
"zip": "17815",
"currentAddress": true,
"startDate": "2022-07-23"
}
]
},
"employment": {
"employmentHistory": [
{
"annualIncome": 140000,
"type": "ET1003",
"isCurrent": true
}
]
},
"financials": {
"creditScore": 750,
"expenses": {
"list": [
{
"type": "RENT"
}
]
}
}
},
"extUserId": "{{$yourExternalUserId}}"
}
Auto loan refinancing application example
{
"financingDetails": {
"loanAmount": 10000,
"type": "REFINANCE",
"from": {
"liabilities": [
{
"liabilityType": "AUTO_LOAN",
"liabilityAccounts": [
{
"id": "c9186d99-b5c4-4356-8c5a-3c6b50b5b8e2",
"amount": 10000,
"monthlyPayment": 371.04
}
],
"collateral": {
"vehicle": {
"licensePlate": "6TRJ244",
"licensePlateState": "CA",
"vin": "1FBSS3BL1CDA96461",//requires VIN -OR- License plate number and state
"estimatedMileage": 62394,
"isNewVehicle": false,
"monthlyPayment": 456
}
}
}
]
},
"to": {
"liabilityType": "AUTO_LOAN"
},
},
"userProfile": {
"personalInformation": {
"ssn": "123456789",
"citizenshipStatus": "CS1001",
"firstName": "John",
"lastName": "Smith",
"dateOfBirth": "1988-07-23T00:00:00.000Z",
"email": "[email protected]",
"phones": [
{
"type": "HOME",
"phoneNumber": "2345678901"
}
],
"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"
}
]
},
"employment": {
"employmentHistory": [
{
"annualIncome": 100000,
"isCurrent": true,
}
]
},
"financials": {
"totalAssetsValue": 1000,
"assets": {
"list": [
{
"type": "PROPERTY",
"value": 1000
}
]
},
"expenses": {
"list": [
{
"type": "RENT",
"monthlyExpense": 1000
}
]
}
}
},
"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"
}