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Method provides the infrastructure layer that digital lenders need to move from application intake through underwriting, loan funding, debt payoff, and post-funding monitoring — all through a single API. Instead of stitching together credit bureau pulls, payment rails, and account aggregation vendors, lending teams can use Method to power the entire lifecycle with real-time liability data and embedded payments.

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Who This Is For

Digital Lenders

Online personal loan, auto refinance, and installment lenders that need instant DTI calculations, liability verification, and automated payoff disbursement.

Credit Unions

Member-focused institutions offering consolidation loans, credit-builder products, and refinance programs that benefit from frictionless account discovery.

HELOC Providers

Home equity lenders that need to verify existing mortgage balances, outstanding liens, and total debt obligations during underwriting.

Auto Refinance Companies

Lenders that need precise payoff quotes from current auto loan servicers, per diem interest calculations, and direct-to-creditor payment rails.

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The Lending Lifecycle

A typical lending integration with Method follows five stages. Each stage maps to specific Method products that handle the heavy lifting.

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Getting Started

The guides in this section walk through each stage with full API examples, using a single borrower scenario end-to-end.

Getting Started

Create an entity, verify identity, and discover all liabilities for a loan applicant.

Application & Qualification

Pre-fill applications, pull real-time account data, and assess risk with attributes.

Debt Consolidation

Calculate payoff amounts, request payoff quotes, and disburse funds directly to creditors.

Portfolio Intelligence

Monitor borrower liability, utilization, and delinquency signals continuously after origination.