Liabilities

API reference for Liabilities endpoints and webhooks

For how-to guidance, see the Liabilities documentation.

Endpoints
`/liabilities/get`	Fetch liabilities data

Webhooks
`DEFAULT_UPDATE`	New or updated liabilities available

The /liabilities/get endpoint returns various details about an Item with loan or credit accounts. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type credit with account subtype credit card or paypal, and account type loan with account subtype student or mortgage. To limit accounts listed in Link to types and subtypes supported by Liabilities, you can use the account_filters parameter when creating a Link token.
The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling /liabilities/get.

liabilities/get

Request fields

client_id

stringstring

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

secret

stringstring

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

access_token

requiredstringrequired, string

The access token associated with the Item data is being requested for.

options

objectobject

An optional object to filter /liabilities/get results. If provided, options cannot be null.

account_ids

[string][string]

A list of accounts to retrieve for the Item.
An error will be returned if a provided account_id is not associated with the Item

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1// Retrieve Liabilities data for an Item
2const request: LiabilitiesGetRequest = {
3  access_token: accessToken,
4};
5try {
6  const response = await plaidClient.liabilitiesGet(request);
7  const liabilities = response.data.liabilities;
8} catch (error) {
9  // handle error
10}

liabilities/get

Response fields and example

accounts

[object][object]

An array of accounts associated with the Item

account_id

stringstring

Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new account_id will be assigned to the account.
The account_id can also change if the access_token is deleted and the same credentials that were used to generate that access_token are used to generate a new access_token on a later date. In that case, the new account_id will be different from the old account_id.
If an account with a specific account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.
When using a CRA endpoint (an endpoint associated with Plaid Check Consumer Report, i.e. any endpoint beginning with /cra/), the account_id returned will not match the account_id returned by a non-CRA endpoint.
Like all Plaid identifiers, the account_id is case sensitive.

balances

objectobject

A set of fields describing the balance for an account. Balance information may be cached unless the balance object was returned by /accounts/balance/get.

available

nullablenumbernullable, number

The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.
For depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.
Note that not all institutions calculate the available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by /accounts/balance/get.
If current is null this field is guaranteed not to be null.

Format: double

current

nullablenumbernullable, number

The total amount of funds in or owed by the account.
For credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.
For loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest. Similar to credit-type accounts, a positive balance is typically expected, while a negative amount indicates the lender owing the account holder.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.
Note that balance information may be cached unless the value was returned by /accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.
When returned by /accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.

Format: double

limit

nullablenumbernullable, number

For credit-type accounts, this represents the credit limit.
For depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe.
In North America, this field is typically only available for credit-type accounts.

Format: double

iso_currency_code

nullablestringnullable, string

The ISO-4217 currency code of the balance. Always null if unofficial_currency_code is non-null.

unofficial_currency_code

nullablestringnullable, string

The unofficial currency code associated with the balance. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
See the currency code schema for a full listing of supported unofficial_currency_codes.

last_updated_datetime

nullablestringnullable, string

Timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ) indicating the last time the balance was updated.
This field is returned only when the institution is ins_128026 (Capital One).

Format: date-time

mask

nullablestringnullable, string

The last 2-4 alphanumeric characters of either the account’s displayed mask or the account’s official account number. Note that the mask may be non-unique between an Item’s accounts.

name

stringstring

The name of the account, either assigned by the user or by the financial institution itself

official_name

nullablestringnullable, string

The official name of the account as given by the financial institution

type

stringstring

investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.
credit: Credit card
depository: Depository account
loan: Loan account
other: Non-specified account type
See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: investment, credit, depository, loan, brokerage, other

subtype

nullablestringnullable, string

See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: 401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuity

verification_status

stringstring

The current verification status of an Auth Item initiated through micro-deposits or database verification. Returned for Auth Items only.
pending_automatic_verification: The Item is pending automatic verification
pending_manual_verification: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the micro-deposit.
automatically_verified: The Item has successfully been automatically verified
manually_verified: The Item has successfully been manually verified
verification_expired: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link.
verification_failed: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link.
unsent: The Item is pending micro-deposit verification, but Plaid has not yet sent the micro-deposit.
database_matched: The Item has successfully been verified using Plaid's data sources. Only returned for Auth Items created via Database Match.
database_insights_pass: The Item's numbers have been verified using Plaid's data sources: the routing and account number match a routing and account number of an account recognized on the Plaid network, and the account is not known by Plaid to be frozen or closed. Only returned for Auth Items created via Database Auth.
database_insights_pass_with_caution:The Item's numbers have been verified using Plaid's data sources and have some signal for being valid: the routing and account number were not recognized on the Plaid network, but the routing number is valid and the account number is a potential valid account number for that routing number. Only returned for Auth Items created via Database Auth.
database_insights_fail: The Item's numbers have been verified using Plaid's data sources and have signal for being invalid and/or have no signal for being valid. Typically this indicates that the routing number is invalid, the account number does not match the account number format associated with the routing number, or the account has been reported as closed or frozen. Only returned for Auth Items created via Database Auth.

Possible values: automatically_verified, pending_automatic_verification, pending_manual_verification, unsent, manually_verified, verification_expired, verification_failed, database_matched, database_insights_pass, database_insights_pass_with_caution, database_insights_fail

verification_name

stringstring

The account holder name that was used for micro-deposit and/or database verification. Only returned for Auth Items created via micro-deposit or database verification. This name was manually-entered by the user during Link, unless it was otherwise provided via the user.legal_name request field in /link/token/create for the Link session that created the Item.

verification_insights

objectobject

Insights from performing database verification for the account. Only returned for Auth Items using Database Auth.

name_match_score

nullableintegernullable, integer

Indicates the score of the name match between the given name provided during database verification (available in the verification_name field) and matched Plaid network accounts. If defined, will be a value between 0 and 100. Will be undefined if name matching was not enabled for the database verification session or if there were no eligible Plaid network matches to compare the given name with.

network_status

objectobject

Status information about the account and routing number in the Plaid network.

has_numbers_match

booleanboolean

Indicates whether we found at least one matching account for the ACH account and routing number.

is_numbers_match_verified

booleanboolean

Indicates if at least one matching account for the ACH account and routing number is already verified.

previous_returns

objectobject

Information about known ACH returns for the account and routing number.

has_previous_administrative_return

booleanboolean

Indicates whether Plaid's data sources include a known administrative ACH return for account and routing number.

account_number_format

stringstring

Indicator of account number format validity for institution.
valid: indicates that the account number has a correct format for the institution.
invalid: indicates that the account number has an incorrect format for the institution.
unknown: indicates that there was not enough information to determine whether the format is correct for the institution.

Possible values: valid, invalid, unknown

persistent_account_id

stringstring

A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This field is currently supported only for Items at institutions that use Tokenized Account Numbers (i.e., Chase and PNC, and in May 2025 US Bank). Because these accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify an account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud. In Sandbox, this field is populated for TAN-based institutions (ins_56, ins_13) as well as the OAuth Sandbox institution (ins_127287); in Production, it will only be populated for accounts at applicable institutions.

holder_category

nullablestringnullable, string

Indicates the account's categorization as either a personal or a business account. This field is currently in beta; to request access, contact your account manager.

Possible values: business, personal, unrecognized

item

objectobject

Metadata about the Item.

item_id

stringstring

The Plaid Item ID. The item_id is always unique; linking the same account at the same institution twice will result in two Items with different item_id values. Like all Plaid identifiers, the item_id is case-sensitive.

institution_id

nullablestringnullable, string

The Plaid Institution ID associated with the Item. Field is null for Items created without an institution connection, such as Items created via Same Day Micro-deposits.

institution_name

nullablestringnullable, string

The name of the institution associated with the Item. Field is null for Items created without an institution connection, such as Items created via Same Day Micro-deposits.

webhook

nullablestringnullable, string

The URL registered to receive webhooks for the Item.

auth_method

nullablestringnullable, string

The method used to populate Auth data for the Item. This field is only populated for Items that have had Auth numbers data set on at least one of its accounts, and will be null otherwise. For info about the various flows, see our Auth coverage documentation.
INSTANT_AUTH: The Item's Auth data was provided directly by the user's institution connection.
INSTANT_MATCH: The Item's Auth data was provided via the Instant Match fallback flow.
AUTOMATED_MICRODEPOSITS: The Item's Auth data was provided via the Automated Micro-deposits flow.
SAME_DAY_MICRODEPOSITS: The Item's Auth data was provided via the Same Day Micro-deposits flow.
INSTANT_MICRODEPOSITS: The Item's Auth data was provided via the Instant Micro-deposits flow.
DATABASE_MATCH: The Item's Auth data was provided via the Database Match flow.
DATABASE_INSIGHTS: The Item's Auth data was provided via the Database Insights flow.
TRANSFER_MIGRATED: The Item's Auth data was provided via /transfer/migrate_account.
INVESTMENTS_FALLBACK: The Item's Auth data for Investments Move was provided via a fallback flow.

Possible values: INSTANT_AUTH, INSTANT_MATCH, AUTOMATED_MICRODEPOSITS, SAME_DAY_MICRODEPOSITS, INSTANT_MICRODEPOSITS, DATABASE_MATCH, DATABASE_INSIGHTS, TRANSFER_MIGRATED, INVESTMENTS_FALLBACK, null

error

nullableobjectnullable, object

Errors are identified by error_code and categorized by error_type. Use these in preference to HTTP status codes to identify and handle specific errors. HTTP status codes are set and provide the broadest categorization of errors: 4xx codes are for developer- or user-related errors, and 5xx codes are for Plaid-related errors, and the status will be 2xx in non-error cases. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.

error_type

stringstring

A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR

error_code

stringstring

The particular error code. Safe for programmatic use.

error_code_reason

nullablestringnullable, string

The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use.
Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.
OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.
OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.

error_message

stringstring

A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.

display_message

nullablestringnullable, string

A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.

request_id

stringstring

A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.

causes

arrayarray

In this product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.

status

nullableintegernullable, integer

The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.

documentation_url

stringstring

The URL of a Plaid documentation page with more information about the error

suggested_action

nullablestringnullable, string

Suggested steps for resolving the error

available_products

[string][string]

A list of products available for the Item that have not yet been accessed. The contents of this array will be mutually exclusive with billed_products.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, payment_initiation, identity_verification, transactions, credit_details, income, income_verification, standing_orders, transfer, employment, recurring_transactions, transactions_refresh, signal, statements, processor_payments, processor_identity, profile, cra_base_report, cra_income_insights, cra_partner_insights, cra_network_insights, cra_cashflow_insights, cra_monitoring, cra_plaid_credit_score, layer, pay_by_bank, protect_linked_bank

billed_products

[string][string]

A list of products that have been billed for the Item. The contents of this array will be mutually exclusive with available_products. Note - billed_products is populated in all environments but only requests in Production are billed. Also note that products that are billed on a pay-per-call basis rather than a pay-per-Item basis, such as balance, will not appear here.

products

[string][string]

A list of products added to the Item. In almost all cases, this will be the same as the billed_products field. For some products, it is possible for the product to be added to an Item but not yet billed (e.g. Assets, before /asset_report/create has been called, or Auth or Identity when added as Optional Products but before their endpoints have been called), in which case the product may appear in products but not in billed_products.

consented_products

[string][string]

A list of products that the user has consented to for the Item via Data Transparency Messaging. This will consist of all products where both of the following are true: the user has consented to the required data scopes for that product and you have Production access for that product.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, transactions, income, income_verification, transfer, employment, recurring_transactions, signal, statements, processor_payments, processor_identity, cra_base_report, cra_income_insights, cra_partner_insights, cra_cashflow_insights, cra_monitoring, layer

consent_expiration_time

nullablestringnullable, string

The date and time at which the Item's access consent will expire, in ISO 8601 format. If the Item does not have consent expiration scheduled, this field will be null. Currently, only institutions in Europe and a small number of institutions in the US have expiring consent. For a list of US institutions that currently expire consent, see the OAuth Guide.

Format: date-time

update_type

stringstring

Indicates whether an Item requires user interaction to be updated, which can be the case for Items with some forms of two-factor authentication.
background - Item can be updated in the background
user_present_required - Item requires user interaction to be updated

Possible values: background, user_present_required

liabilities

objectobject

An object containing liability accounts

credit

nullable[object]nullable, [object]

The credit accounts returned.

account_id

nullablestringnullable, string

The ID of the account that this liability belongs to.

aprs

[object][object]

The various interest rates that apply to the account. APR information is not provided by all card issuers; if APR data is not available, this array will be empty.

apr_percentage

numbernumber

Annual Percentage Rate applied.

Format: double

apr_type

stringstring

The type of balance to which the APR applies.

Possible values: balance_transfer_apr, cash_apr, purchase_apr, special

balance_subject_to_apr

nullablenumbernullable, number

Amount of money that is subjected to the APR if a balance was carried beyond payment due date. How it is calculated can vary by card issuer. It is often calculated as an average daily balance.

Format: double

interest_charge_amount

nullablenumbernullable, number

Amount of money charged due to interest from last statement.

Format: double

is_overdue

nullablebooleannullable, boolean

true if a payment is currently overdue. Availability for this field is limited.

last_payment_amount

nullablenumbernullable, number

The amount of the last payment.

Format: double

last_payment_date

nullablestringnullable, string

The date of the last payment. Dates are returned in an ISO 8601 format (YYYY-MM-DD). Availability for this field is limited.

Format: date

last_statement_issue_date

nullablestringnullable, string

The date of the last statement. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

last_statement_balance

nullablenumbernullable, number

The total amount owed as of the last statement issued

Format: double

minimum_payment_amount

nullablenumbernullable, number

The minimum payment due for the next billing cycle.

Format: double

next_payment_due_date

nullablestringnullable, string

The due date for the next payment. The due date is null if a payment is not expected. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

mortgage

nullable[object]nullable, [object]

The mortgage accounts returned.

account_id

stringstring

The ID of the account that this liability belongs to.

account_number

nullablestringnullable, string

The account number of the loan.

current_late_fee

nullablenumbernullable, number

The current outstanding amount charged for late payment.

Format: double

escrow_balance

nullablenumbernullable, number

Total amount held in escrow to pay taxes and insurance on behalf of the borrower.

Format: double

has_pmi

nullablebooleannullable, boolean

Indicates whether the borrower has private mortgage insurance in effect.

has_prepayment_penalty

nullablebooleannullable, boolean

Indicates whether the borrower will pay a penalty for early payoff of mortgage.

interest_rate

objectobject

Object containing metadata about the interest rate for the mortgage.

percentage

nullablenumbernullable, number

Percentage value (interest rate of current mortgage, not APR) of interest payable on a loan.

Format: double

type

nullablestringnullable, string

The type of interest charged (fixed or variable).

last_payment_amount

nullablenumbernullable, number

The amount of the last payment.

Format: double

last_payment_date

nullablestringnullable, string

The date of the last payment. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

loan_type_description

nullablestringnullable, string

Description of the type of loan, for example conventional, fixed, or variable. This field is provided directly from the loan servicer and does not have an enumerated set of possible values.

loan_term

nullablestringnullable, string

Full duration of mortgage as at origination (e.g. 10 year).

maturity_date

nullablestringnullable, string

Original date on which mortgage is due in full. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

next_monthly_payment

nullablenumbernullable, number

The amount of the next payment.

Format: double

next_payment_due_date

nullablestringnullable, string

The due date for the next payment. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

origination_date

nullablestringnullable, string

The date on which the loan was initially lent. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

origination_principal_amount

nullablenumbernullable, number

The original principal balance of the mortgage.

Format: double

past_due_amount

nullablenumbernullable, number

Amount of loan (principal + interest) past due for payment.

Format: double

property_address

objectobject

Object containing fields describing property address.

city

nullablestringnullable, string

The city name.

country

nullablestringnullable, string

The ISO 3166-1 alpha-2 country code.

postal_code

nullablestringnullable, string

The five or nine digit postal code.

region

nullablestringnullable, string

The region or state (example "NC").

street

nullablestringnullable, string

The full street address (example "564 Main Street, Apt 15").

ytd_interest_paid

nullablenumbernullable, number

The year to date (YTD) interest paid.

Format: double

ytd_principal_paid

nullablenumbernullable, number

The YTD principal paid.

Format: double

student

nullable[object]nullable, [object]

The student loan accounts returned.

account_id

nullablestringnullable, string

The ID of the account that this liability belongs to. Each account can only contain one liability.

account_number

nullablestringnullable, string

The account number of the loan. For some institutions, this may be a masked version of the number (e.g., the last 4 digits instead of the entire number).

disbursement_dates

nullable[string]nullable, [string]

The dates on which loaned funds were disbursed or will be disbursed. These are often in the past. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

expected_payoff_date

nullablestringnullable, string

The date when the student loan is expected to be paid off. Availability for this field is limited. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

guarantor

nullablestringnullable, string

The guarantor of the student loan.

interest_rate_percentage

numbernumber

The interest rate on the loan as a percentage.

Format: double

is_overdue

nullablebooleannullable, boolean

true if a payment is currently overdue. Availability for this field is limited.

last_payment_amount

nullablenumbernullable, number

The amount of the last payment.

Format: double

last_payment_date

nullablestringnullable, string

The date of the last payment. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

last_statement_balance

nullablenumbernullable, number

The total amount owed as of the last statement issued

Format: double

last_statement_issue_date

nullablestringnullable, string

The date of the last statement. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

loan_name

nullablestringnullable, string

The type of loan, e.g., "Consolidation Loans".

loan_status

objectobject

An object representing the status of the student loan

end_date

nullablestringnullable, string

The date until which the loan will be in its current status. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

type

nullablestringnullable, string

The status type of the student loan

Possible values: cancelled, charged off, claim, consolidated, deferment, delinquent, discharged, extension, forbearance, in grace, in military, in school, not fully disbursed, other, paid in full, refunded, repayment, transferred, pending idr

minimum_payment_amount

nullablenumbernullable, number

The minimum payment due for the next billing cycle. There are some exceptions: Some institutions require a minimum payment across all loans associated with an account number. Our API presents that same minimum payment amount on each loan. The institutions that do this are: Great Lakes ( ins_116861), Firstmark (ins_116295), Commonbond Firstmark Services (ins_116950), Granite State (ins_116308), and Oklahoma Student Loan Authority (ins_116945). Firstmark (ins_116295 ) and Navient (ins_116248) will display as $0 if there is an autopay program in effect.

Format: double

next_payment_due_date

nullablestringnullable, string

The due date for the next payment. The due date is null if a payment is not expected. A payment is not expected if loan_status.type is deferment, in_school, consolidated, paid in full, or transferred. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

origination_date

nullablestringnullable, string

The date on which the loan was initially lent. Dates are returned in an ISO 8601 format (YYYY-MM-DD).

Format: date

origination_principal_amount

nullablenumbernullable, number

The original principal balance of the loan.

Format: double

outstanding_interest_amount

nullablenumbernullable, number

The total dollar amount of the accrued interest balance. For Sallie Mae ( ins_116944), this amount is included in the current balance of the loan, so this field will return as null.

Format: double

payment_reference_number

nullablestringnullable, string

The relevant account number that should be used to reference this loan for payments. In the majority of cases, payment_reference_number will match account_number, but in some institutions, such as Great Lakes (ins_116861), it will be different.

repayment_plan

objectobject

An object representing the repayment plan for the student loan

description

nullablestringnullable, string

The description of the repayment plan as provided by the servicer.

type

nullablestringnullable, string

The type of the repayment plan.

Possible values: extended graduated, extended standard, graduated, income-contingent repayment, income-based repayment, income-sensitive repayment, interest-only, other, pay as you earn, revised pay as you earn, standard, saving on a valuable education, null

sequence_number

nullablestringnullable, string

The sequence number of the student loan. Heartland ECSI (ins_116948) does not make this field available.

servicer_address

objectobject

The address of the student loan servicer. This is generally the remittance address to which payments should be sent.

city

nullablestringnullable, string

The full city name

region

nullablestringnullable, string

The region or state Example: "NC"

street

nullablestringnullable, string

The full street address Example: "564 Main Street, APT 15"

postal_code

nullablestringnullable, string

The postal code

country

nullablestringnullable, string

The ISO 3166-1 alpha-2 country code

ytd_interest_paid

nullablenumbernullable, number

The year to date (YTD) interest paid. Availability for this field is limited.

Format: double

ytd_principal_paid

nullablenumbernullable, number

The year to date (YTD) principal paid. Availability for this field is limited.

Format: double

request_id

stringstring

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

API Object
1{
"accounts": [
  {
    "account_id": "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp",
    "balances": {
      "available": 100,
      "current": 110,
      "iso_currency_code": "USD",
      "limit": null,
      "unofficial_currency_code": null
    },
    "mask": "0000",
    "name": "Plaid Checking",
    "official_name": "Plaid Gold Standard 0% Interest Checking",
    "subtype": "checking",
    "type": "depository"
  },
  {
    "account_id": "dVzbVMLjrxTnLjX4G66XUp5GLklm4oiZy88yK",
    "balances": {
      "available": null,
      "current": 410,
      "iso_currency_code": "USD",
      "limit": 2000,
      "unofficial_currency_code": null
    },
    "mask": "3333",
    "name": "Plaid Credit Card",
    "official_name": "Plaid Diamond 12.5% APR Interest Credit Card",
    "subtype": "credit card",
    "type": "credit"
  },
  {
    "account_id": "Pp1Vpkl9w8sajvK6oEEKtr7vZxBnGpf7LxxLE",
    "balances": {
      "available": null,
      "current": 65262,
      "iso_currency_code": "USD",
      "limit": null,
      "unofficial_currency_code": null
    },
    "mask": "7777",
    "name": "Plaid Student Loan",
    "official_name": null,
    "subtype": "student",
    "type": "loan"
  },
  {
    "account_id": "BxBXxLj1m4HMXBm9WZJyUg9XLd4rKEhw8Pb1J",
    "balances": {
      "available": null,
      "current": 56302.06,
      "iso_currency_code": "USD",
      "limit": null,
      "unofficial_currency_code": null
    },
    "mask": "8888",
    "name": "Plaid Mortgage",
    "official_name": null,
    "subtype": "mortgage",
    "type": "loan"
  }
],
"item": {
  "available_products": [
    "balance",
    "investments"
  ],
  "billed_products": [
    "assets",
    "auth",
    "identity",
    "liabilities",
    "transactions"
  ],
  "consent_expiration_time": null,
  "error": null,
  "institution_id": "ins_3",
  "institution_name": "Chase",
  "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
  "update_type": "background",
  "webhook": "https://www.genericwebhookurl.com/webhook",
  "auth_method": "INSTANT_AUTH"
},
"liabilities": {
  "credit": [
    {
      "account_id": "dVzbVMLjrxTnLjX4G66XUp5GLklm4oiZy88yK",
      "aprs": [
        {
          "apr_percentage": 15.24,
          "apr_type": "balance_transfer_apr",
          "balance_subject_to_apr": 1562.32,
          "interest_charge_amount": 130.22
        },
        {
          "apr_percentage": 27.95,
          "apr_type": "cash_apr",
          "balance_subject_to_apr": 56.22,
          "interest_charge_amount": 14.81
        },
        {
          "apr_percentage": 12.5,
          "apr_type": "purchase_apr",
          "balance_subject_to_apr": 157.01,
          "interest_charge_amount": 25.66
        },
        {
          "apr_percentage": 0,
          "apr_type": "special",
          "balance_subject_to_apr": 1000,
          "interest_charge_amount": 0
        }
      ],
      "is_overdue": false,
      "last_payment_amount": 168.25,
      "last_payment_date": "2019-05-22",
      "last_statement_issue_date": "2019-05-28",
      "last_statement_balance": 1708.77,
      "minimum_payment_amount": 20,
      "next_payment_due_date": "2020-05-28"
    }
  ],
  "mortgage": [
    {
      "account_id": "BxBXxLj1m4HMXBm9WZJyUg9XLd4rKEhw8Pb1J",
      "account_number": "3120194154",
      "current_late_fee": 25,
      "escrow_balance": 3141.54,
      "has_pmi": true,
      "has_prepayment_penalty": true,
      "interest_rate": {
        "percentage": 3.99,
        "type": "fixed"
      },
      "last_payment_amount": 3141.54,
      "last_payment_date": "2019-08-01",
      "loan_term": "30 year",
      "loan_type_description": "conventional",
      "maturity_date": "2045-07-31",
      "next_monthly_payment": 3141.54,
      "next_payment_due_date": "2019-11-15",
      "origination_date": "2015-08-01",
      "origination_principal_amount": 425000,
      "past_due_amount": 2304,
      "property_address": {
        "city": "Malakoff",
        "country": "US",
        "postal_code": "14236",
        "region": "NY",
        "street": "2992 Cameron Road"
      },
      "ytd_interest_paid": 12300.4,
      "ytd_principal_paid": 12340.5
    }
  ],
  "student": [
    {
      "account_id": "Pp1Vpkl9w8sajvK6oEEKtr7vZxBnGpf7LxxLE",
      "account_number": "4277075694",
      "disbursement_dates": [
        "2002-08-28"
      ],
      "expected_payoff_date": "2032-07-28",
      "guarantor": "DEPT OF ED",
      "interest_rate_percentage": 5.25,
      "is_overdue": false,
      "last_payment_amount": 138.05,
      "last_payment_date": "2019-04-22",
      "last_statement_issue_date": "2019-04-28",
      "last_statement_balance": 1708.77,
      "loan_name": "Consolidation",
      "loan_status": {
        "end_date": "2032-07-28",
        "type": "repayment"
      },
      "minimum_payment_amount": 25,
      "next_payment_due_date": "2019-05-28",
      "origination_date": "2002-08-28",
      "origination_principal_amount": 25000,
      "outstanding_interest_amount": 6227.36,
      "payment_reference_number": "4277075694",
      "pslf_status": {
        "estimated_eligibility_date": "2021-01-01",
        "payments_made": 200,
        "payments_remaining": 160
      },
      "repayment_plan": {
        "description": "Standard Repayment",
        "type": "standard"
      },
      "sequence_number": "1",
      "servicer_address": {
        "city": "San Matias",
        "country": "US",
        "postal_code": "99415",
        "region": "CA",
        "street": "123 Relaxation Road"
      },
      "ytd_interest_paid": 280.55,
      "ytd_principal_paid": 271.65
    }
  ]
},
"request_id": "dTnnm60WgKGLnKL"
206}

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Webhooks

Liabilities webhooks are sent to indicate that new loans or updated loan fields for existing accounts are available.

=*=*=*=

`DEFAULT_UPDATE`

The webhook of type LIABILITIES and code DEFAULT_UPDATE will be fired when new or updated liabilities have been detected on a liabilities item.

Properties

webhook_type

stringstring

LIABILITIES

webhook_code

stringstring

DEFAULT_UPDATE

item_id

stringstring

The item_id of the Item associated with this webhook, warning, or error

error

objectobject

error_type

stringstring

A broad categorization of the error. Safe for programmatic use.

error_code

stringstring

The particular error code. Safe for programmatic use.

error_code_reason

stringstring

error_message

stringstring

A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.

display_message

stringstring

A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.

request_id

stringstring

A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.

causes

arrayarray

status

integerinteger

The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.

documentation_url

stringstring

The URL of a Plaid documentation page with more information about the error

suggested_action

stringstring

Suggested steps for resolving the error

account_ids_with_new_liabilities

[string][string]

An array of account_id's for accounts that contain new liabilities.'

account_ids_with_updated_liabilities

objectobject

An object with keys of account_id's that are mapped to their respective liabilities fields that changed.
Example: { "XMBvvyMGQ1UoLbKByoMqH3nXMj84ALSdE5B58": ["past_amount_due"] }

environment

stringstring

The Plaid environment the webhook was sent from

Possible values: sandbox, production

API Object
1{
"webhook_type": "LIABILITIES",
"webhook_code": "DEFAULT_UPDATE",
"item_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",
"error": null,
"account_ids_with_new_liabilities": [
  "XMBvvyMGQ1UoLbKByoMqH3nXMj84ALSdE5B58",
  "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp"
],
"account_ids_with_updated_liabilities": {
  "XMBvvyMGQ1UoLbKByoMqH3nXMj84ALSdE5B58": [
    "past_amount_due"
  ]
},
"environment": "production"
16}

Liabilities

API reference for Liabilities endpoints and webhooks

Endpoints

/liabilities/get

Retrieve Liabilities data

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Webhooks

DEFAULT_UPDATE

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`/liabilities/get`

`DEFAULT_UPDATE`