Use the Liabilities endpoints to retrieve liability data from a user’s connected financial accounts. This includes information about loans, credit cards, and other debt obligations held at financial institutions.
Attributes
Credit liabilities
Credit cards and lines of credit.
| Attribute | Type | Description |
|---|
account_id | string | Unique account identifier |
purchases_apr | decimal | APR for purchases |
advances_apr | decimal | APR for cash advances |
credit_line | decimal | Total credit line |
current_balance | decimal | Current outstanding balance |
available_credit | decimal | Available credit |
available_cash | decimal | Available cash advance |
minimum_payment_amount | decimal | Minimum payment due |
next_payment_amount | decimal | Next payment amount |
next_payment_date | date | Next payment due date |
last_payment_amount | decimal | Last payment made |
last_payment_date | date | Date of last payment |
last_stmt_balance | decimal | Last statement balance |
last_stmt_date | date | Last statement date |
past_due_amount | decimal | Amount past due |
Loan liabilities
Auto loans, student loans, personal loans, and mortgages.
| Attribute | Type | Description |
|---|
account_id | string | Unique account identifier |
original_principal | decimal | Original loan principal |
principal_balance | decimal | Current principal remaining |
interest_rate | decimal | Current interest rate percentage |
interest_rate_as_of | date-time | Date rate was last updated |
interest_paid_year_to_date | decimal | Total interest paid YTD |
loan_term | string | Loan term in months |
maturity_date | date-time | Loan maturity date |
escrow_balance | decimal | Escrow balance (mortgages) |
next_payment_amount | decimal | Next payment amount |
next_payment_date | date-time | Next payment due date |
last_payment_amount | decimal | Last payment made |
last_payment_date | date-time | Date of last payment |
Account types
| Type | Subtypes |
|---|
CREDIT_CARD | Rewards, cashback, secured |
LINE_OF_CREDIT | HELOC, home equity |
LOAN | AUTO, STUDENT, PERSONAL, PERSONAL_WITH_COLLATERAL, SMALL_BUSINESS, RV |
MORTGAGE | Fixed-rate, adjustable-rate |
CHECKING_LINE_OF_CREDIT | Overdraft protection |
Loan balance verification
A common use case for liabilities data is loan balance verification in refinance scenarios. Lenders retrieve outstanding loan balances to confirm payoff amounts before closing.
To access liabilities data, the member must first complete a Verification of Assets (VOA) order and connect their bank account through Truv Bridge. Once the asset connection is established, the liabilities endpoint returns outstanding loan balances, credit obligations, and payment history associated with the connected accounts.
Liabilities data is derived from the same financial institution connection used for asset verification. No separate connection step is required — set up VOA first, then query the liabilities endpoint for the same link.
Endpoints
Example response
{
"accounts": [
{
"id": "24d7e80942ce4ad58a93f70ce4115f5c",
"type": "CREDIT_CARD",
"mask": "6789",
"balances": {
"currency_code": "USD",
"balance": "2407.16",
"available_balance": "92.84",
"credit_limit": "2500.00"
}
}
],
"liabilities": {
"credit": [
{
"account_id": "24d7e80942ce4ad58a93f70ce4115f5c",
"purchases_apr": "23.49",
"credit_line": "2500.00",
"current_balance": "2407.16",
"available_credit": "92.00",
"minimum_payment_amount": "0.00",
"next_payment_date": "2025-08-23",
"last_payment_amount": "300.00",
"last_payment_date": "2025-08-13"
}
],
"loans": []
}
}
