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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.

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The Breadth of Supported Liability Types

Method supports an extensive range of liability types, reflecting the diversity of consumer debt in the real world. Supported types include:
  • Credit cards — credit_card (from major national issuers to regional and community banks)
  • Auto loans — auto_loan (from captive lenders like GM Financial and Toyota Motor Credit to banks and credit unions)
  • Federal and private student loans — student_loans
  • Personal and installment loans — personal_loan
  • Mortgages and home equity lines of credit (HELOCs) — mortgage
  • Collections accounts — collection
  • Medical debt — medical
  • Insurance premium obligations — insurance
  • Utility accounts — utility
  • Buy Now Pay Later (BNPL) accounts — bnpl
  • Credit builder accounts — credit_builder
  • Fintech-originated loans — fintech
  • Other loan types — loan
The values above are the possible liability.type enum values on an Account. The liability.sub_type field provides additional granularity (e.g., federal vs. private for student loans, heloc for home equity lines). See the Account reference for the complete list.

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How Liability Type Affects the Data Model

Each liability type also determines what enrichment data is available:
  • Credit cards: Card brand name and visual art (via Card Brands), tokenized card credentials (via Payment Instruments)
  • Auto loans: Payoff quotes (via Payoffs), vehicle details including VIN, make, model (via Vehicles on the Entity)
  • Student loans: Federal vs. private distinction, servicer information
  • All types: Credit health attributes (via Attributes) where credit bureau data exists
Not every liability type supports every Method product. For example, Payments may be available for credit cards and auto loans but not for certain utility or collections accounts. Card Brand data is only relevant for credit cards. Payoff quotes are specific to auto loans. Each account carries a list of available products so your application can adapt its UI and functionality based on what’s supported for each specific account.