> ## 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

export const get_update_liability_fields = (liability_type, specific_fields) => {
  const alphabetically_sort_fields = fields => {
    fields.sort((a, b) => {
      if (a.name.toLowerCase() < b.name.toLowerCase()) return -1;
      if (a.name.toLowerCase() > b.name.toLowerCase()) return 1;
      return 0;
    });
    return fields;
  };
  const default_fields = specific_fields.concat([{
    name: `${liability_type}.opened_at`,
    type: 'string | null',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) when the account was originally opened.'
  }, {
    name: `${liability_type}.closed_at`,
    type: 'string | null',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) when the account was officially closed.'
  }, {
    name: `${liability_type}.balance`,
    type: 'string | null',
    required: false,
    description: 'The current balance of the account.'
  }, {
    name: `${liability_type}.last_payment_date`,
    type: 'string | null',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) of the last payment on the account.'
  }, {
    name: `${liability_type}.last_payment_amount`,
    type: 'number | null',
    required: false,
    description: 'The amount of the last payment on the account.'
  }, {
    name: `${liability_type}.next_payment_due_date`,
    type: 'string | null',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) of the next minimum payment on the account.'
  }, {
    name: `${liability_type}.next_payment_minimum_amount`,
    type: 'number | null',
    required: false,
    description: 'The amount of the next minimum payment on the account.'
  }]);
  const more_shared_fields = {
    term_length: {
      name: `${liability_type}.term_length`,
      type: 'number | null',
      required: false,
      description: 'The duration of the loan or liability term, expressed in months.'
    },
    original_loan_amount: {
      name: `${liability_type}.original_loan_amount`,
      type: 'number | null',
      required: false,
      description: 'The initial amount borrowed when the debt was issued.'
    },
    available_credit: {
      name: `${liability_type}.available_credit`,
      type: 'number | null',
      required: false,
      description: 'The amount of credit currently available for use on this account.'
    },
    expected_payoff_date: {
      name: `${liability_type}.expected_payoff_date`,
      type: 'string | null',
      required: false,
      description: 'ISO 8601 formatted date (YYYY-MM-DD) when the liability or loan will be fully paid off.'
    },
    interest_rate_type: {
      name: `${liability_type}.interest_rate_type`,
      type: 'enum | null',
      required: false,
      description: 'The interest rate type for the liability.',
      enums: ['fixed', 'variable']
    },
    interest_rate_source: {
      name: `${liability_type}.interest_rate_source`,
      type: 'enum | null',
      required: false,
      description: 'The source of the interest rate data.',
      enums: ['financial_institution', 'public_data', 'method']
    },
    interest_rate_percentage_max: {
      name: `${liability_type}.interest_rate_percentage_max`,
      type: 'number | null',
      required: false,
      description: 'The maximum variable interest rate percentage for this account.'
    },
    interest_rate_percentage_min: {
      name: `${liability_type}.interest_rate_percentage_min`,
      type: 'number | null',
      required: false,
      description: 'The minimum variable interest rate percentage for this account.'
    },
    interest_rate_percentage: {
      name: `${liability_type}.interest_rate_percentage`,
      type: 'number | null',
      required: false,
      description: 'The fixed interest rate percentage for this account.'
    }
  };
  switch (liability_type) {
    case 'auto_loan':
      {
        default_fields.push(more_shared_fields.term_length, more_shared_fields.original_loan_amount, more_shared_fields.expected_payoff_date, more_shared_fields.interest_rate_type, more_shared_fields.interest_rate_source, more_shared_fields.interest_rate_percentage);
        break;
      }
    case 'personal_loan':
      {
        default_fields.push(more_shared_fields.available_credit, more_shared_fields.term_length, more_shared_fields.original_loan_amount, more_shared_fields.interest_rate_type, more_shared_fields.interest_rate_source, more_shared_fields.interest_rate_percentage);
        break;
      }
    case 'student_loans':
      {
        default_fields.push(more_shared_fields.term_length, more_shared_fields.original_loan_amount);
        break;
      }
    case 'mortgage':
      {
        default_fields.push(more_shared_fields.term_length, more_shared_fields.original_loan_amount, more_shared_fields.expected_payoff_date, more_shared_fields.interest_rate_type, more_shared_fields.interest_rate_source, more_shared_fields.interest_rate_percentage);
        break;
      }
    case 'credit_card':
      {
        default_fields.push(more_shared_fields.available_credit, more_shared_fields.interest_rate_type, more_shared_fields.interest_rate_percentage_max, more_shared_fields.interest_rate_percentage_min);
        break;
      }
    default:
  }
  return {
    name: liability_type,
    type: 'object | null',
    description: <>This object will be populated if the Update is of type <code>{liability_type}</code>.</>,
    items: alphabetically_sort_fields(default_fields),
    defaultOpen: true
  };
};

export const get_common_parameters = (resource_name = 'resource') => {
  return {
    id: {
      name: 'id',
      type: "string",
      required: false,
      description: `Unique identifier for the ${resource_name}.`
    },
    entity_id: {
      name: 'entity_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Entity.'
    },
    account_id: {
      name: 'account_id',
      type: 'string',
      required: false,
      description: 'The ID of the associated Account.'
    },
    error: {
      name: 'error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href={`/reference/errors/${resource_name.replace(/^([A-Z])/, function (match) {
        return match.toLowerCase();
      }).replace(/([A-Z])/g, function (match) {
        return "-" + match.toLowerCase();
      })}-errors`}>{resource_name} errors</a>.
        </>
    },
    status_error: {
      name: 'status_error',
      type: 'object | null',
      required: false,
      description: <>
          An object representing an error that occurred while processing
          this {resource_name}. See <a href="/reference/errors/product-errors#status-errors">{resource_name} errors</a>.
        </>
    },
    metadata: {
      name: 'metadata',
      type: 'object | null',
      required: false,
      description: <>
          Additional data provided during creation.
          See <a href="/reference/metadata">metadata</a>
        </>
    },
    created_at: {
      name: 'created_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was created.`
    },
    updated_at: {
      name: 'updated_at',
      type: 'string',
      required: false,
      description: `Timestamp of when the ${resource_name} was last updated.`
    },
    status: (enums = []) => ({
      name: 'status',
      type: 'enum',
      required: false,
      description: `Status of the ${resource_name}.`,
      enums
    }),
    type: (enums = []) => ({
      name: 'type',
      type: 'enum',
      required: false,
      description: `The type of ${resource_name}.`,
      enums
    })
  };
};

export const ParamList = ({items = [], is_child = false}) => {
  return items.map(item => {
    const field_props = {
      id: Math.random().toString(),
      body: item.name,
      name: item.name,
      type: item.type,
      required: item.required
    };
    const enums = item.enums || [];
    const items = item.items || [];
    const has_items = items?.length > 0;
    const has_enums = enums?.length > 0;
    const should_default_open = item.defaultOpen || false;
    const render_child_item = () => {
      const child_props = {
        title: has_enums ? "Possible enum values" : "properties"
      };
      if (should_default_open) child_props.defaultOpen = true;
      const has_inline_enums = has_enums && enums.every(enum_item => typeof enum_item === 'string') && enums.map((enum_item, idx) => {
        const is_last = idx === enums.length - 1;
        const is_2nd_to_last = idx === enums.length - 2;
        return <>
            <code>{enum_item}</code>
            {is_last && ''}
            {is_2nd_to_last && ' or '}
            {!is_last && !is_2nd_to_last && ', '}
          </>;
      });
      const enum_list = has_enums && !has_inline_enums && <Accordion {...child_props}>
          {enums.map((enum_item, index) => <div key={`enum-${index}`}>
              <code>{enum_item.name}</code>
              <br />
              <p>{enum_item.description}</p>
            </div>)}
        </Accordion>;
      const item_list = has_items && <Expandable {...child_props}>
          <ParamList items={items || []} is_child />
        </Expandable>;
      return <>
          <p>
            {item.description}
            {has_inline_enums && [has_inline_enums.length > 1 ? ' One of ' : ' Must be ', ...has_inline_enums]}
          </p>

          {enum_list}
          {item_list}
        </>;
    };
    return is_child ? <ResponseField {...field_props}>{render_child_item()}</ResponseField> : <ParamField {...field_props}>{render_child_item()}</ParamField>;
  });
};

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

<Check>Method's real-time `direct` update coverage expands to 92% of all outstanding debt.</Check>

**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

<ParamList
  items={[
(get_common_parameters('Update').id),
(get_common_parameters('Update').account_id),
{
name: 'source',
type: 'enum',
description: 'The source of the Update\'s data.',
enums: [
  { name: 'direct', description: 'Updates received directly from the financial institution.' },
  { name: 'snapshot', description: 'Updates received from a monthly snapshot view from the financial institution.' },
],
},
(get_common_parameters('Update').status([
{
  name: 'pending',
  description: 'The Update request is queued to be processed.',
},
{
  name: 'in_progress',
  description: 'The Update request is being processed.',
},
{
  name: 'completed',
  description: 'The Update request has successfully processed.',
},
{
  name: 'failed',
  description: 'The Update request failed processing.',
},
])),
{
name: 'type',
type: 'enum',
description: (
  <>
    The liability type of the Update's Account.
    See <a href="/2026-03-30/reference/accounts/overview#account-liability-types">Account Liability Types.</a>
  </>
),
},
{
name: 'data_as_of',
type: 'string',
description: 'Timestamp indicating when the data in this record was last known to be accurate.',
},
(get_common_parameters('Update').error),
(get_common_parameters('Update').created_at),
(get_common_parameters('Update').updated_at),
]}
/>

<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"`.
</Note>

## 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.

<ParamList
  items={[
{
name: 'delinquent_action',
type: 'enum | null',
required: false,
description: 'The delinquency-related action reported from credit report tradeline data.',
enums: ['chapter_13', 'chapter_7', 'wage_garnishment', 'charge_off', 'payment_agreement', 'repossession', 'foreclosure', 'bankruptcy'],
},
{
name: 'delinquent_amount',
type: 'number | null',
required: false,
description: 'The delinquent amount reported from credit report tradeline data.',
},
{
name: 'delinquent_history',
type: 'object[] | null',
required: false,
description: 'A history of delinquency statuses reported from credit report tradeline data.',
items: [
  {
    name: 'delinquent_history.start_date',
    type: 'string',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) when this delinquency period started.',
  },
  {
    name: 'delinquent_history.end_date',
    type: 'string | null',
    required: false,
    description: 'ISO 8601 formatted date (YYYY-MM-DD) when this delinquency period ended.',
  },
  {
    name: 'delinquent_history.status',
    type: 'enum',
    required: false,
    description: 'The delinquency status for this historical period.',
    enums: ['good_standing', 'past_due', 'major_delinquency', 'unavailable'],
  },
  {
    name: 'delinquent_history.period',
    type: 'enum | null',
    required: false,
    description: 'The delinquency period for this historical period.',
    enums: ['less_than_30', '30', '60', '90', '120', 'over_120'],
  },
  {
    name: 'delinquent_history.action',
    type: 'enum | null',
    required: false,
    description: 'The delinquency-related action for this historical period.',
    enums: ['chapter_13', 'chapter_7', 'wage_garnishment', 'charge_off', 'payment_agreement', 'repossession', 'foreclosure', 'bankruptcy'],
  },
],
},
{
name: 'delinquent_major_start_date',
type: 'string | null',
required: false,
description: 'ISO 8601 formatted date (YYYY-MM-DD) when a major delinquency started.',
},
{
name: 'delinquent_period',
type: 'enum | null',
required: false,
description: 'The delinquency period reported from credit report tradeline data.',
enums: ['less_than_30', '30', '60', '90', '120', 'over_120'],
},
{
name: 'delinquent_start_date',
type: 'string | null',
required: false,
description: 'ISO 8601 formatted date (YYYY-MM-DD) when the delinquency started.',
},
{
name: 'delinquent_status',
type: 'enum | null',
required: false,
description: 'The delinquency status reported from credit report tradeline data.',
enums: ['good_standing', 'past_due', 'major_delinquency', 'unavailable'],
},
{
name: 'delinquent_status_updated_at',
type: 'string | null',
required: false,
description: 'ISO 8601 formatted date (YYYY-MM-DD) when the delinquency status was last updated.',
},
]}
/>

## Properties based on type

<Tabs>
  <Tab title="Credit Card">
    <ParamList
      items={[get_update_liability_fields('credit_card', [
  {
    name: 'credit_card.credit_limit',
    type: 'number | null',
    required: false,
    description: 'The maximum amount of credit that can be extended to the borrower on this account.',
  },
  {
    name: 'credit_card.usage_pattern',
    type: 'enum | null',
    required: false,
    description: 'Categorizes the usage behavior of the credit card holder.',
    enums: [
      { name: 'transactor', description: 'Pays balances in full each month.' },
      { name: 'revolver', description: 'Carries balances from month to month.' },
      { name: 'dormant', description: 'An inactive account with no recent transactions.' },
      { name: 'unknown', description: 'Usage pattern is not determined or not available.' }
    ],
  },
  {
    name: 'credit_card.sub_type',
    type: 'enum | null',
    required: false,
    description: 'Sub-type of the credit card.',
    enums: ['flexible_spending', 'charge', 'secured', 'unsecured', 'purchase', 'business'],
  },
])]}
    />
  </Tab>

  <Tab title="Mortgage">
    <ParamList
      items={[get_update_liability_fields('mortgage', [
  {
    name: 'mortgage.sub_type',
    type: 'enum | null',
    required: false,
    description: 'Sub-type of the mortgage.',
    enums: ['heloc'],
  },
])]}
    />
  </Tab>

  <Tab title="Auto Loan">
    <ParamList
      items={[get_update_liability_fields('auto_loan', [
  {
    name: 'auto_loan.sub_type',
    type: 'enum | null',
    required: false,
    description: 'Sub-type of the auto loan.',
    enums: ['lease', 'loan'],
  },
])]}
    />
  </Tab>

  <Tab title="Personal Loan">
    <ParamList
      items={[get_update_liability_fields('personal_loan', [
  {
    name: 'personal_loan.sub_type',
    type: 'enum | null',
    required: false,
    description: 'Sub-type of the personal loan.',
    enums: ['secured', 'unsecured', 'heloc', 'line_of_credit', 'note'],
  },
])]}
    />
  </Tab>

  <Tab title="Student Loans">
    <ParamList
      items={[get_update_liability_fields('student_loans', [
  {
    name: 'student_loans.disbursements',
    type: 'object[]',
    required: false,
    description: 'A list of individual student loan disbursements.',
    items: [
      {
        name: 'student_loans.disbursements.sequence',
        type: 'number',
        required: false,
        description: 'The sequence number of this disbursement.'
      },
      {
        name: 'student_loans.disbursements.balance',
        type: 'number | null',
        required: false,
        description: 'The current balance of this disbursement.'
      },
      {
        name: 'student_loans.disbursements.last_payment_amount',
        type: 'number | null',
        required: false,
        description: 'The amount of the last payment on this disbursement.'
      },
      {
        name: 'student_loans.disbursements.last_payment_date',
        type: 'string | null',
        required: false,
        description: 'ISO 8601 formatted date (YYYY-MM-DD) of the last payment on the account.'
      },
      {
        name: 'student_loans.disbursements.next_payment_due_date',
        type: 'string | null',
        required: false,
        description: 'ISO 8601 formatted date (YYYY-MM-DD) of the next minimum payment on the account.'
      },
      {
        name: 'student_loans.disbursements.next_payment_minimum_amount',
        type: 'number | null',
        required: false,
        description: 'The amount of the next minimum payment on the account.'
      },
      {
        name: 'student_loans.disbursements.disbursed_at',
        type: 'string | null',
        required: false,
        description: 'The date when the disbursement was made, formatted in ISO 8601 (YYYY-MM-DD).'
      },
      {
        name: 'student_loans.disbursements.interest_rate_percentage',
        type: 'number | null',
        required: false,
        description: 'The fixed interest rate for this disbursement.'
      },
      {
        name: 'student_loans.disbursements.interest_rate_percentage_max',
        type: 'number | null',
        required: false,
        description: 'The maximum interest rate (variable) allowed for this disbursement.'
      },
      {
        name: 'student_loans.disbursements.interest_rate_percentage_min',
        type: 'number | null',
        required: false,
        description: 'The minimum interest rate (variable) allowed for this disbursement.'
      },
      {
        name: 'student_loans.disbursements.interest_rate_type',
        type: 'enum | null',
        required: false,
        description: 'The type of interest rate for this disbursement.',
        enums: ['fixed', 'variable']
      },
      {
        name: 'student_loans.disbursements.original_loan_amount',
        type: 'number | null',
        required: false,
        description: 'The original loan amount for this disbursement.'
      },
      {
        name: 'student_loans.disbursements.term_length',
        type: 'number | null',
        required: false,
        description: 'The length of the term for this disbursement, in months.'
      },
      {
        name: 'student_loans.disbursements.closed_at',
        type: 'string | null',
        required: false,
        description: 'The date when the disbursement was closed, if applicable, formatted in ISO 8601 (YYYY-MM-DD).'
      },
      {
        name: 'student_loans.disbursements.interest_rate_source',
        type: 'enum | null',
        required: false,
        description: 'The source of the interest rate.',
        enums: ['financial_institution', 'public_data', 'method']
      },
    ],
  },
  {
    name: 'student_loans.sub_type',
    type: 'enum | null',
    required: false,
    description: 'Sub-type of the student loan.',
    enums: ['federal', 'private'],
  },
])]}
    />
  </Tab>

  <Tab title="BNPL">
    <ParamList
      items={[
  {
    name: 'bnpl',
    type: 'object | null',
    description: <>This object will be populated if the Update is of type <code>bnpl</code>.</>,
    items: [
      {
        name: 'bnpl.balance',
        type: 'number | null',
        required: false,
        description: 'The current balance of the account.',
      },
      {
        name: 'bnpl.opened_at',
        type: 'string | null',
        required: false,
        description: 'The date when the account was originally opened, formatted in ISO 8601 (YYYY-MM-DD).',
      },
      {
        name: 'bnpl.closed_at',
        type: 'string | null',
        required: false,
        description: 'The date on which the account was officially closed, formatted in ISO 8601 (YYYY-MM-DD).',
      },
    ],
  }
]}
    />
  </Tab>

  <Tab title="Fintech">
    <ParamList
      items={[
  {
    name: 'fintech',
    type: 'object | null',
    description: <>This object will be populated if the Update is of type <code>fintech</code>.</>,
    items: [
      {
        name: 'fintech.balance',
        type: 'number | null',
        required: false,
        description: 'The current balance of the account.',
      },
      {
        name: 'fintech.opened_at',
        type: 'string | null',
        required: false,
        description: 'The date when the account was originally opened, formatted in ISO 8601 (YYYY-MM-DD).',
      },
      {
        name: 'fintech.closed_at',
        type: 'string | null',
        required: false,
        description: 'The date on which the account was officially closed, formatted in ISO 8601 (YYYY-MM-DD).',
      },
    ],
  }
]}
    />
  </Tab>
</Tabs>

## Webhook Payload

The [Webhook](/2026-03-30/reference/webhooks/overview) payload will contain the following information:

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

<RequestExample>
  ```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"
  }
  ```
</RequestExample>