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

Accounts

The accounts array lists each liability account. The credit and loan terms below reference these accounts by account_id.

Attribute	Type	Description
`id`	string	Unique account identifier
`type`	string	Account type (see Account types)
`subtype`	string, null	Account subtype (see Account types)
`mask`	string, null	Last 4 digits of account number
`nickname`	string, null	User-friendly account name
`balances`	object	Balance information: `currency_code`, `balance`, `available_balance`, `credit_limit`

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
`balance_as_of`	date-time	Date and time the balance was last updated
`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
`balance_as_of`	date-time	Date and time the balance was last updated
`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

An account has a type and an optional subtype. type — one of: LOAN, CREDIT_CARD, LINE_OF_CREDIT, MORTGAGE, CHECKING_LINE_OF_CREDIT subtype — one of (nullable): BROKERAGE, STUDENT, AUTO, PERSONAL, PERSONAL_WITH_COLLATERAL, HELOC, HOME_EQUITY, RV, SMALL_BUSINESS

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. Liabilities data comes from a connected financial account. The member connects their bank account through Truv Bridge using either the Transactions or Assets (VOA) product. Once the connection is established, the liabilities endpoint returns outstanding loan balances, credit obligations, and payment history for the connected accounts. See Financial Accounts for supported institutions and account types.

Liabilities data is derived from the financial institution connection created by the Transactions or Assets product. No separate connection step is required — connect the account with either product, then query the liabilities endpoint for the same link.

Endpoints

Retrieve liabilities

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": []
  }
}

​Attributes

​Accounts

​Credit liabilities

​Loan liabilities

​Account types

​Loan balance verification

​Endpoints

​Example response

Attributes

Accounts

Credit liabilities

Loan liabilities

Account types

Loan balance verification

Endpoints

Example response