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Application data
What every field of an application means, where it comes from, and what to watch out for when you map it to your systems. The exact types and limits are in the API reference; the general rules (values, null, unknown fields and enum values) are in conventions.md.
The data is what the client declared in the form and confirmed with a qualified electronic signature. Finto does not verify income or obligations; the signed application asks you to check the client in the registers yourself (signed-application.md).
The application
| Field | Meaning |
|---|---|
id | Finto's id of the application. Opaque: store it, do not parse it |
reference | Human-readable number, random, for example P-7KQ2MX. Quote it when you call or write to Finto |
version | Your view's version: starts at 1 and increases by one with every change you can see (corrected data, documents added for you). Your own uploads do not change it |
versionNote | Why the data last changed after signing. null while the data is as signed |
state, closedReason, closedAt | Finto's side of the lifecycle, see lifecycle.md |
replacedBy | With closedReason duplicate: the newer application of the same client, when it was also sent to you |
channel | Website where the client applied: finto (finto.lt) or autolizingas (autolizingas.lt) |
submittedAt | When the client signed |
updatedAt | When anything you can see last changed |
expiresAt | When Finto closes the application for you as expired if nothing ends it before |
decision | Your current decision (id, status, receivedAt), null before the first |
selection | While the client's choice of your offer stands: which decision and when |
request: what the client asks for
| Field | Meaning |
|---|---|
product | cash_loan, car_loan, car_lease or refinancing |
amount | Amount to finance, EUR. For car products this is without the down payment: price 17 000, down payment 2 500 means amount 14 500. For refinancing, the amount the client wants to refinance |
termMonths | Requested term. null when the form did not ask (the finto.lt loan form often does not): offer the term you find suitable |
downPayment | Down payment the client offers, car products only |
The application carries no data about the car itself: you assess the financing, not the vehicle.
Refinancing
The form asks for the total amount only; it does not list the obligations to refinance. Use the credit registers, as the signed application asks you to, and if you need the list from the client (creditors, balances, account to pay into), ask with info_required (other).
applicant: the client
| Field | Meaning |
|---|---|
firstName, lastName | As in the signed application. Letters, spaces, hyphens, apostrophes and periods only |
personalCode | Lithuanian personal code, 11 digits, valid checksum. Equal to the personal code in the signing certificate |
dateOfBirth | Derived from the personal code; null for the rare codes issued without a birth date |
phone | E.164, for example +37061234567 |
email | As typed by the client |
address | Free text, usually null: most forms do not ask. Use the population register |
maritalStatus | Usually null: the form only asks whether the client has a spouse (see spouse). Set when Finto staff asked |
idDocumentType | Usually null; set when Finto staff asked |
incomes
One entry per source, at least one, each type at most once.
| Field | Meaning |
|---|---|
type | employment (permanent employment), statutory_officer (police, military, customs and similar), employment_abroad, self_employment (individual activity, business certificate), other |
monthlyNet | Average net income per month, EUR, as declared |
tenure | How long the income has been received, as a range: minMonths inclusive, maxMonths exclusive or null for no upper bound. null when not asked |
The form asks one tenure question per income type, with a threshold that depends on the type: 4 months for employment and statutory service, 6 months for employment abroad, 12 months for self-employment and other income. So a tenure is always either "at least the threshold" ({ "minMonths": 4, "maxMonths": null }) or "less than the threshold" ({ "minMonths": 0, "maxMonths": 4 }), exactly as printed in the signed PDF.
obligations
| Field | Meaning |
|---|---|
hasObligations | Whether the client declared existing financial obligations |
monthlyPayments | Total monthly payments under existing loans, leasing, credit cards and similar, EUR; 0 when none |
The client declares a total only. Check the details in the credit registers.
monthlyExpenses
Monthly living expenses the client declared besides the obligations, EUR. Often null: most forms do not ask.
pep: politically exposed person
| Field | Meaning |
|---|---|
isPep | Whether the client is a PEP, an immediate family member or a close associate of one. When false, every other field is null |
relation | self, family_member or close_associate |
category | Category of the public function, following the list of the Lithuanian Law on the Prevention of Money Laundering and Terrorist Financing (values in the reference) |
position, institution, country | Free text as given by the client |
fullName | Name of the PEP, when the client is not the PEP |
beneficialOwner
| Field | Meaning |
|---|---|
forOwnBenefit | Whether the client takes the financing in their own name and for their own benefit. When true, every other field is null |
fullName, personalCode, relation | The person the financing is for, as given by the client. The personal code is not validated |
spouse
| Field | Meaning |
|---|---|
participation | no_spouse; not_participating (has a spouse who does not take part); joint (applies together with the spouse) |
incomes | Spouse's incomes, joint only, as in the signed application |
firstName, lastName, personalCode, email | null until you ask for them with info_required (spouse_data) and Finto collects them |
The spouse does not sign the application, so the form collects no more than the participation and, for a joint application, the incomes.
creditors: the creditor table
The lenders the client asks Finto to send the application to, each with its legal name and company code, exactly as printed in the signed PDF. Your row has isYou: true. The table is fixed by the signature; see signed-application.md.
signature
| Field | Meaning |
|---|---|
documentId | The signed PDF in documents |
templateVersion | Version of the application text the client signed |
signedAt | When the client signed |
level | eIDAS level reported by the signing service: always qes in v1 |
signerName, signerPersonalCode | From the signing certificate, not from the form |
documents
| Field | Meaning |
|---|---|
id | Use it to download the file |
type | signed_application; documents the client provided for you (income_statement, bank_statement, employment_contract, id_document, vehicle_document, a signed consent_form, other); or your own uploads (consent_form, secci, offer, contract_draft, other) |
title, fileName, contentType, sizeBytes | As stored |
sha256 | Lowercase hex SHA-256 of the file. Compare it with what you download |
uploadedBy | client, finto or lender (you) |
You see the signed application, the documents provided for you (because you asked for them), and your own uploads; never the documents provided for another lender. Files from clients are checked for type and size, not for malware: handle them as untrusted input.
What Finto does not send
On purpose:
- Finto's own credit bureau results and pre-assessment: Finto obtained them for its own purpose; the client asks you to check the registers yourself.
- Finto staff notes, call recordings, marketing consents and advertising data.
- Anything about other lenders beyond the creditor table the client signed: their decisions, offers, documents, or which one the client chose.
Decisions you send
The fields of a decision are described in the API reference (DecisionCreate, OfferInput, RequirementInput, ContractInfoInput, DisbursementInput, TerminationInput). What matters when you map them:
| Field | Note |
|---|---|
applicationVersion | The version of the application you based the decision on. Required |
previousDecisionId | Optional safety check, see conventions.md |
offer.amount | Credit amount. For car products, without the down payment |
offer.monthlyPayment | The regular payment, including any monthly fee |
offer.annualInterestRate | Nominal rate per year. For a variable rate, the current total rate (base rate plus margin) |
offer.aprc | Annual percentage rate of charge (BVKKMN), as in your SECCI form |
offer.totalAmountPayable | Everything the client pays under the agreement over the term: instalments, fees and any residual value; without the down payment. At least amount |
offer.validUntil | Last valid day, Vilnius time; not in the past, at most 180 days ahead |
offer.conditions | Shown to the client: plain Lithuanian, no links |
offer.continueUrl | Your https page where the client continues after choosing you. Its host must be registered with Finto (continueUrlHosts in GET /v1/me): no other port, no user name, no IP address |
offer.documentIds | Your own uploads on this application that belong to the offer, for example the SECCI form |
requirements[].description | Shown to the client: plain Lithuanian, no links |
rejectionReason, message | For Finto staff only; never shown to the client |
disbursement.amount | Required: the amount paid out, without the down payment. If you pay out in parts, send disbursed again with the total so far |
termination.endedOn | Day the agreement ended, Vilnius time; not in the future |
termination.reason | early_repayment, terminated_by_client, terminated_by_lender or other. No reasons for your own termination and no amounts: Finto does not need them |
Pre-contractual information (SECCI)
Giving the client the pre-contractual information on a durable medium before they are bound remains your obligation as the creditor. Uploading the SECCI form with your offer is optional but recommended: Finto then passes it to the client together with the offer, unchanged.