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Liabilities

Access detailed loan data

View API docs
product features
Comprehensive data

Review details for each account type including balances, terms, payment timing, and more

On-demand data feed

Access the latest liabilities data when you need it—for student loans, credit cards, and mortgages

Enable payments

Access account information to help enable users to set up payments for their student loans

Make a Liabilities request

Use the Liabilities endpoint to submit a POST request

Student loans

Access student loan details including disbursement dates, expected payoff date, interest rate, next payment due date, remittances address, and more

Credit cards

Access credit card details including APRs, credit limit, minimum payment amount, next payment due date, last statement issue date, last statement balance, and more

Mortgages

Access mortgage details including loan number, original loan amount, interest rate, property address, escrow balance, last payment date, and more

View API docs

Retrieve Liabilities request

 
curl -X POST https://sandbox.plaid.com/liabilities/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Run

Make a Liabilities request

Use the Liabilities endpoint to submit a POST request

Retrieve Liabilities request


curl -X POST https://sandbox.plaid.com/liabilities/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Liabilities data

The /liabilities/get endpoint enables you to retrieve user-permissioned data from different types of accounts including student loans, credit cards, and mortgages

Retrieve Liabilities response

http code 200
{
  "accounts": [
    {
      "balances": {
        "available": null,
        "current": 30000,
        "iso_currency_code": "USD",
        "limit": 40000,
        "unofficial_currency_code": null
      }
      ...
    }
  ],
  "liabilities": {
    "student": [
      {
        "account_id": "vokyE5Rn6vHKqDLRXEn5fne7LwbKPLIXGK98d",
        "account_number": "3735928559",
        "disbursement_dates": [
          "2017-05-20",
          "2017-06-20"
        ],
        "expected_payoff_date": "2030-04-21",
        "guarantor": "Gingham Guarantor",
        "interest_rate_percentage": 18.25,
        "is_overdue": false,
        "last_payment_amount": 420,
        "last_payment_date": "2019-03-15",
        "last_statement_balance": 2345.6,
        "last_statement_issue_date": "2019-03-01",
        "loan_name": "Direct Subsidized Stafford",
        "loan_status": {
          "end_date": "2019-09-24",
          "type": "repayment"
        },
        "minimum_payment_amount": 123,
        "next_payment_due_date": "2019-04-01",
        "origination_date": "2017-04-21",
        "origination_principal_amount": 12345.6,
        "outstanding_interest_amount": 1234.5,
        "payment_reference_number": "4277009102",
        "pslf_status": {
          "estimated_eligibility_date": "2021-01-01",
          "payments_made": 42,
          "payments_remaining": 78
        },
        "repayment_plan": {
          "description": "STANDARD REPAYMENT",
          "type": "standard"
        },
        "sequence_number": "1",
        "servicer_address": {
          "city": "San Matias",
          "country": "US",
          "postal_code": "93405-2255",
          "region": null,
          "street": "2493 Leisure Lane"
        },
        "ytd_interest_paid": 123.4,
        "ytd_principal_paid": 1234.5
      }
    ],
    "credit": [
      {
        "account_id": "LgDOJbZz7pFKpaPNgRpZU57zY395q1I0Lxpew",
        "aprs": [
          {
            "apr_percentage": 23.99,
            "apr_type": "purchase_apr",
            "balance_subject_to_apr": 2345.6,
            "interest_charge_amount": 27.01
          }
        ],
        "is_overdue": false,
        "last_payment_amount": 420,
        "last_payment_date": "2019-03-15",
        "last_statement_balance": 2345.6,
        "last_statement_issue_date": "2019-03-01",
        "minimum_payment_amount": 123,
        "next_payment_due_date": "2019-04-01"
      }
    ],
    "mortgage": [
      {
        "account_id": "LgDOJbZz7pFKpaPNgRpZU57zY395q1I0Lxpew",
        "current_late_fee": 25.00,
        "escrow_balance": 3141.54,
        "has_pmi": true,
        "has_prepayment_penalty": true,
        "interest_rate": [
          {
            "type": "fixed",
            "percentage": 0.0399,
            "next_scheduled_interest_rate_change": "2025-04-01"
          }
        ],
        "last_payment_amount": 3141.54,
        "last_payment_date": "2019-08-01",
        "account_number": 3120194154,
        "loan_type": "conventional",
        "loan_term": "30 year",
        "origination_date": "2015-08-01",
        "origination_principal_amount": 425000,
        "maturity_date": "2045-07-31",
        "past_due_amount": 2304,
        "property_address": {
          "city": "Malakoff",
          "region": "NY",
          "street": "2992 Cameron Road",
          "postal_code": "14236",
          "country": "US"
        },
        "next_payment_due_date": "2019-11-15",
        "next_monthly_payment": 2156.00,
        "ytd_interest_paid": 123.4,
        "ytd_principal_paid": 1234.5
      }
    ]
  },
  "item": {},
  "request_id": "9GMVig"
}

Student loans

Access student loan details including disbursement dates, expected payoff date, interest rate, next payment due date, remittances address, and more

Credit cards

Access credit card details including APRs, credit limit, minimum payment amount, next payment due date, last statement issue date, last statement balance, and more

Mortgages

Access mortgage details including loan number, original loan amount, interest rate, property address, escrow balance, last payment date, and more

Liabilities Student Loans product on iPhone
STUDENT LOANS

Robust loan servicer coverage

Retrieve student loan data from the largest servicers including Great Lakes, Mohela, FedLoan Servicing and Navient—covering the majority of student loans in the US

Liabilities Credit Card Bills product on iPhone
CREDIT CARDS

Robust credit card account coverage

Retrieve credit card details from the largest institutions including American Express, Chase, Wells Fargo, Bank of America, Citi, and more—covering the majority of credit card accounts in the US

Liabilities has provided more reliable and comprehensive student loan data than any other solution on the market—in a single, easy-to use API.
Jon Levinson
Director of Product, Pillar

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