Loans

AI Tools

The Loans group lists user's loan repayments and drawdowns detected in their bank accounts.

Comparing the totalAmount of loan repayment with the income helps to quickly estimate the debt to income ratio.

Warning

The LendingOrganization feature is based on an algorithm that is not available in all markets. As of today, we are only able to detect the company's name and staffing for projects with the "France 🇫🇷" market. This property can be found in the JSON below under "transactions".

Data sample

Loans can be retrieved using the GET /credit-insights/loans endpoint:

{ "repayments": { "count": 11, "totalAmount": -2120.61, "monthlyAmount": -706.87, "monthlyAmountExcludingMonthsWithoutValues": -343.45, "details": [ { "category": "LOAN_REPAYMENT_PERSONAL", "type": "DIRECT_DEBIT", "labelRoot": "CREDIPAR IDE", "label": "CREDIPAR IDE", "totalAmount": -686.9, "totalRejectedAmount": -343.45, "calendar": [ { "month": "2022-01", "amount": -343.45 }, { "month": "2022-02", "amount": -343.45 } ], "transactions": [ { "currency": "EUR", "amount": -343.45, "description": "PRLV SEPA CREDIPAR 10600220302032 32 VOTRE IDE FR0004123032023", "dates": { "debitedAt": "2022-02-28T22:00:00.000Z", "bookedAt": "2022-02-28T22:00:00.000Z" }, "isComing": true, "aggregator": { "id": "6055", "type": "DEBIT" }, "enrichments": { "category": "LOAN_REPAYMENT_PERSONAL", "type": "DIRECT_DEBIT", "isRejected": false, "relatedTransactions": {}, "groupId": "label_0_9-label_0_9", "descriptionGroupId": "label_0_9", "isInternationalTransfer": false }, "createdAt": "2022-04-04T13:32:10.899Z", "updatedAt": "2022-04-04T13:32:10.899Z", "id": "624af3553cbf19d1d730cfb5" }, ], "lendingOrganization": { "name": "COMPAGNIE GENERALE DE CREDIT AUX PARTICULIERS" }, } ... ], "lendingOrganizations": [ { "name": "COMPAGNIE GENERALE DE CREDIT AUX PARTICULIERS" }, { "name": "SOGEFINANCEMENT" }, { "name": "ADVANZIA BANK" } ] }, "drawdowns": { "count": 1, "totalAmount": 5500, "monthlyAmount": 1833.33, "details": [ { "category": "LOAN_DRAWDOWN_PERSONAL", "type": "INCOMING_TRANSFER", "labelRoot": "SOGEFINANCE VERSEMENT PRET PERSONNEL", "label": "SOGEFINANCE VERSEMENT PRET PERSONNEL", "totalAmount": 5500, "totalRejectedAmount": 0, "calendar": [ { "month": "2022-01", "amount": 5500 } ], "transactions": [ { "currency": "EUR", "amount": 5500, "description": "VIREMENT DE SOGEFINANCE 2914101O4 VERSEMENT PRET PERSONNEL 424144", "dates": { "debitedAt": "2022-01-19T22:00:00.000Z", "bookedAt": "2022-01-19T22:00:00.000Z" }, "isComing": true, "aggregator": { "id": "6017", "type": "CREDIT" }, "enrichments": { "category": "LOAN_DRAWDOWN_PERSONAL", "type": "INCOMING_TRANSFER", "isRejected": false, "relatedTransactions": {}, "groupId": "label_1_-1_624af3553cbf19474e30cfd8-label_1_-1_624af3553cbf19474e30cfd8", "descriptionGroupId": "label_1_-1_624af3553cbf19474e30cfd8", "isInternationalTransfer": false }, "createdAt": "2022-04-04T13:32:10.900Z", "updatedAt": "2022-04-04T13:32:10.900Z", "id": "624af3553cbf19474e30cfd8" } ], "lendingOrganization": { "name": "SOGEFINANCEMENT" }, } ], "lendingOrganizations": [] } }

Last updated on Nov 9, 2022

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