Request Body

This endpoint does not require a request body.

Response Structure

Note:
The response payload is very large.
Below is a representative partial response.

The actual response includes all active lending account details, including:

Primary Loan
Deferred Down
Side Note

Each lending account object contains:

Core lending account details
Balance information
Borrower and collateral data

Partial Example Response

{
  "message": [
    {
      "name": "LA-000001",
      "company": "Emotive Auto Sales Inc.",
      "company_branch": "Emotive Auto Sales Inc. - 01",
      "alternate_account_number": null,
      "lending_account_status": "Active",
      "active_repo_status": "Out For Repo",
      "stop_payments": 0,
      "stop_payment_accrual": 1,
      "stop_partial_payments": 0,
      "stop_outgoing_communication": 0,
      "stop_interest_accrual": 1,
      "lending_account_total_balance": 25880.12,
      "lending_account_total_ptp": 0.0,
      "lending_account_total_past_due": 8422.63,
      "lending_account_total_actual_due": 8422.63,
      "stock_number": "01-00045",
      "collateral_year": "2011",
      "collateral_make": "Infiniti",
      "collateral_model": "G Sedan",
      "borrower_first_name": "Randall",
      "borrower_last_name": "Gonzalez",
      "borrower_email_id": "sherryperez@example.net",
      "borrower_phone": "+14249331274",
      "Primary Loan": [
        {
          "balance_id": "BA-000001",
          "balance_type": "Primary Loan",
          "total_balance": 22880.12,
          "actual_due": 5422.63,
          "principal_balance": 20555.85,
          "next_due_amount": 562.09,
          "days_past_due": 587,
          "term": 48,
          "frequency": "Monthly",
          "maturity_date": "2028-05-15"
        }
      ],
      "Deferred Down": [
        {
          "balance_id": "BA-000002",
          "balance_type": "Deferred Down",
          "total_balance": 3000.0,
          "actual_due": 3000.0,
          "due_amount": 2000.0,
          "days_past_due": 295,
          "frequency": "Monthly",
          "maturity_date": "2024-08-31"
        }
      ]
    }
  ]
}

Explanation

Lending Account Core

Includes:

Lending account status
Active repo status
Stop payments and accrual flags
Total balance, PTP, past due, and actual due amounts
Stock number and collateral details

Balance Information

Includes:

Primary Loan balances
Deferred Down balances
Side Note balances

These values are returned per lending account.

Borrowers / Co-Borrowers

Includes:

Borrower personal information
(name, email, phone, address, DOB, last 4 SSN)
Co-borrower details (if applicable)
Communication preferences

Collateral

Contains:

Vehicle details (Year, Make, Model)
Stock number

Example Simplified Response

{
  "accounts": [
    {
      "id": "account_id_1",
      "name": "Account Name 1",
      "status": "active"
    },
    {
      "id": "account_id_2",
      "name": "Account Name 2",
      "status": "inactive"
    }
  ]
}