> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The updates endpoint

The Updates endpoint retrieves real-time account data including balance, due dates, and APRs directly from the
Account’s financial institution.

> [!TIP]
>
> Method's real-time `direct` update coverage expands to 92% of all outstanding debt.

**The Updates endpoint is available as a:**

| Type | Use-Case |
| - | - |
| `Product` | On-Demand real-time account update (balance, due dates, etc) from the Account’s financial institution |
| `Subscription` | Near real-time account update (balance, due dates, etc) from the Account’s financial institution. [Webhook Payload](#webhook-payload) |

## Update Objects

> [!NOTE]
>
> Updates with `source: "snapshot"` include the fields listed for their liability type below and may also include
> additional delinquency fields derived from credit report tradeline data. Delinquency fields are not included on
> Updates with `source: "direct"`.

## Snapshot Update Delinquency Fields

Snapshot Updates for supported liability types, including `credit_card`, `auto_loan`, `mortgage`, and `personal_loan`,
may include the following additional fields on the Update's liability object. For example, `delinquent_status` appears
as `credit_card.delinquent_status` on a credit card Update and `auto_loan.delinquent_status` on an auto loan Update.

## Properties based on type

> [tab] Credit Card

> [tab] Mortgage

> [tab] Auto Loan

> [tab] Personal Loan

> [tab] Student Loans

> [tab] BNPL

> [tab] Fintech

## Webhook Payload

The [Webhook](https://docs.methodfi.com/2026-03-30/reference/webhooks/overview.md) payload will contain the following information:

```json theme={null}
{
  "id": "string",
  "type": "update.create" | "update.update",
  "path": "/accounts/<acc_id>/updates/<upt_id>",
}
```

```json Credit Card theme={null}
{
  "id": "upt_NYV5kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_bFDiQGxiR8bqc",
  "source": "direct",
  "type": "credit_card",
  "credit_card": {
    "available_credit": 120000,
    "balance": 80000,
    "closed_at": null,
    "credit_limit": 200000,
    "interest_rate_percentage_max": 23.5,
    "interest_rate_percentage_min": 12.0,
    "interest_rate_type": "variable",
    "last_payment_amount": 5000,
    "last_payment_date": "2024-04-05",
    "next_payment_due_date": "2024-05-01",
    "next_payment_minimum_amount": 4000,
    "opened_at": "2018-10-30",
    "sub_type": "flexible_spending",
    "usage_pattern": "transactor"
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json Auto Loan theme={null}
{
  "id": "upt_ELGT4hfikTTCJ",
  "status": "completed",
  "account_id": "acc_aEBDiLxiR8bqc",
  "source": "direct",
  "type": "auto_loan",
  "auto_loan": {
    "balance": 1500000,
    "closed_at": null,
    "expected_payoff_date": "2029-04-15",
    "interest_rate_percentage": 3.5,
    "interest_rate_source": "financial_institution",
    "interest_rate_type": "fixed",
    "last_payment_amount": 35000,
    "last_payment_date": "2024-03-15",
    "next_payment_due_date": "2024-05-15",
    "next_payment_minimum_amount": 35000,
    "opened_at": "2019-04-15",
    "original_loan_amount": 2000000,
    "sub_type": "loan",
    "term_length": 120
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json Mortgage theme={null}
{
  "id": "upt_ZXJ9hfjskTTCJ",
  "status": "completed",
  "account_id": "acc_xDGiQGxiR8bqc",
  "source": "direct",
  "type": "mortgage",
  "mortgage": {
    "balance": 71250000,
    "closed_at": null,
    "expected_payoff_date": "2044-04-15",
    "interest_rate_percentage": 3.09,
    "interest_rate_source": "financial_institution",
    "interest_rate_type": "fixed",
    "last_payment_amount": 250000,
    "last_payment_date": "2024-03-15",
    "next_payment_due_date": "2024-05-15",
    "next_payment_minimum_amount": 250000,
    "opened_at": "2019-04-15",
    "original_loan_amount": 120000000,
    "sub_type": "heloc",
    "term_length": 300
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json Personal Loan theme={null}
{
  "id": "upt_HKJ9kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_zFDiQGxiR8bqc",
  "source": "snapshot",
  "type": "personal_loan",
  "personal_loan": {
    "available_credit": 2700000,
    "balance": 2300000,
    "closed_at": null,
    "interest_rate_percentage": 1.95,
    "interest_rate_source": "financial_institution",
    "interest_rate_type": "fixed",
    "last_payment_amount": 150000,
    "last_payment_date": "2024-03-15",
    "next_payment_due_date": "2024-05-15",
    "next_payment_minimum_amount": 150000,
    "opened_at": "2019-04-15",
    "original_loan_amount": 5000000,
    "sub_type": "unsecured",
    "term_length": 48
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json Student Loans theme={null}
{
  "id": "upt_NJK9kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_uHDiQGxiR8bqc",
  "source": "snapshot",
  "type": "student_loans",
  "student_loans": {
    "balance": 12000000,
    "closed_at": null,
    "disbursements": [
      {
        "sequence": 1,
        "balance": 326300,
        "last_payment_amount": 3500,
        "last_payment_date": "2024-04-01",
        "next_payment_due_date": "2024-05-01",
        "next_payment_minimum_amount": 3500,
        "disbursed_at": "2019-08-15",
        "interest_rate_percentage": 4.29,
        "interest_rate_type": "fixed",
        "original_loan_amount": 350000,
        "term_length": 120,
        "closed_at": null,
        "interest_rate_source": "method"
      },
      {...}
    ],
    "last_payment_amount": 250000,
    "last_payment_date": "2024-03-15",
    "next_payment_due_date": "2024-05-15",
    "next_payment_minimum_amount": 250000,
    "opened_at": "2019-08-15",
    "original_loan_amount": 12000000,
    "sub_type": "federal",
    "term_length": 120
  },
  "data_as_of": "2024-03-20T04:43:21.434Z",
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json Fintech theme={null}
{
  "id": "upt_NJK9kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_uHDiQGxiR8bqc",
  "source": "snapshot",
  "type": "fintech",
  "fintech": {
    "balance": 100000,
    "opened_at": "2024-03-15",
    "closed_at": null
  },
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```

```json BNPL theme={null}
{
  "id": "upt_NJK9kfjskTTCJ",
  "status": "completed",
  "account_id": "acc_uHDiQGxiR8bqc",
  "source": "snapshot",
  "type": "bnpl",
  "bnpl": {
    "balance": 100000,
    "opened_at": "2024-03-15",
    "closed_at": null
  },
  "error": null,
  "created_at": "2024-03-20T04:43:21.434Z",
  "updated_at": "2024-03-20T04:43:21.655Z"
}
```


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