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Account liability data

Account responses include a liability field when Finta has stored liability data for the account — either synced from a provider (e.g. Plaid) or set on a manual account. It is null for depository, investment, and other accounts without debt metadata. When creating or updating a manual account, the liability object in the request body uses the same shape shown below (set type to credit, student, or mortgage). 
{
  "id": "account_123",
  "name": "Credit Card",
  "type": "credit",
  "currentBalance": 1200,
  "liability": {
    "type": "credit",
    "minimumPaymentAmount": 35,
    "nextPaymentDueDate": "2026-06-15",
    "lastPaymentAmount": 40,
    "lastPaymentDate": "2026-05-15",
    "lastStatementBalance": 1200,
    "interestRate": 19.99,
    "isOverdue": false,
    "aprs": [
      {
        "aprType": "purchase_apr",
        "aprPercentage": 19.99,
        "balanceSubjectToApr": 1000,
        "interestChargeAmount": 15
      }
    ]
  }
}

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Student loans

Student loan liabilities include loanStatus, repaymentPlan, pslfStatus, payoff dates, origination details, and year-to-date interest/principal paid. 
{
  "type": "student",
  "minimumPaymentAmount": 125,
  "nextPaymentDueDate": "2026-06-20",
  "interestRate": 5.5,
  "loanName": "Federal Student Loan",
  "loanStatus": { "type": "repayment", "endDate": null },
  "repaymentPlan": { "type": "standard", "description": "Standard Repayment" },
  "pslfStatus": {
    "paymentsRemaining": 80,
    "paymentsMade": 40,
    "estimatedEligibilityDate": "2032-01-01"
  }
}

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Mortgages

Mortgage liabilities include interestRateType, nextMonthlyPayment, escrow, PMI, prepayment penalty, property address, maturity, past-due, origination, and year-to-date interest/principal paid. 
{
  "type": "mortgage",
  "minimumPaymentAmount": 1800,
  "nextPaymentDueDate": "2026-07-01",
  "interestRate": 6.25,
  "interestRateType": "fixed",
  "nextMonthlyPayment": 1800,
  "escrowBalance": 3500,
  "hasPmi": false,
  "propertyAddress": {
    "street": "123 Main St",
    "city": "San Francisco",
    "region": "CA",
    "postalCode": "94105",
    "country": "US"
  }
}