Introduction to Liabilities

Access data for student loans, mortgages, and credit cards using the Liabilities product.

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View Liabilities requests, responses, and example code

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Overview

Plaid's Liabilities product allows you to access information about a user's debts. Common applications include loan decisioning as well as personal financial management tools to help customers manage or refinance debt.

Liabilities data

With Liabilities, you can view account information for credit cards, PayPal credit accounts, student loans, and mortgages in the US and Canada. Available information includes balance, next payment date and amount, loan terms such as duration and interest rate, and originator information such as the origination date and initial loan amount. Liabilities data is refreshed approximately once per day, and the latest data can be accessed by calling /liabilities/get.

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"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_balance": 1708.77,
    "last_statement_issue_date": "2019-05-28",
    "minimum_payment_amount": 20,
    "next_payment_due_date": "2020-05-28"
  }
]
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"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_balance": 138.05,
    "last_statement_issue_date": "2019-04-28",
    "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
  }
]
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"mortgage": [
  {
    "account_id": "BxBXxLj1m4HMXBm9WZJyUg9XLd4rKEhw8Pb1J",
    "account_number": "3120194154",
    "current_late_fee": 25.0,
    "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
  }
]

Payment history

The information returned by a /liabilities/get request contains recent payment information, such as the date and amount of the most recent payment. To view further payment history, you can use Plaid's Transactions product.

Testing Liabilities

Liabilities can be tested in Sandbox without any additional permissions. In order to test Liabilities against live Items in Development or Production, you will need to first request access by submitting a product access request Support ticket explaining your use case.