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GET
/
v3
/
{customerId}
/
insight
/
login
/
{loginId}
/
attributes
/
{requestId}
/
GetLendingAttributes
Get Lending Attributes
curl --request GET \
  --url https://{instance}-api.private.fin.ag/v3/{customerId}/insight/login/{loginId}/attributes/{requestId}/GetLendingAttributes
{
  "HttpStatusCode": 200,
  "Card": {
    "Id": "367046b0-7699-483d-94c2-08d9a3d5c70f",
    "account_age_days": 346,
    "active_days_trend": 1.25,
    "auto_loan_payment_frequency": "NONE_DETECTED",
    "average_closing_balance_day_after_employer_income": 2019.47,
    "average_closing_balance_day_after_government_income": 2517.18,
    "average_closing_balance_day_after_income": 3106.06,
    "average_closing_balance_day_of_employer_income": 2122.05,
    "average_closing_balance_day_of_government_income": 2760.58,
    "average_closing_balance_day_of_income": 3137.15,
    "average_disability_deposit": 0,
    "average_employer_a_income_deposit": 1399.57,
    "average_employer_b_income_deposit": 0,
    "average_employer_income_deposit": 2108.67,
    "average_employer_other_income_deposit": 0,
    "average_employment_insurance_deposit": 0,
    "average_government_income_deposit": 1951.3,
    "average_micro_loan_payment": 0,
    "average_monthly_auto_loan_payments_complex": 0,
    "average_monthly_child_support_income_government_complex": 3902.59,
    "average_monthly_disability_income_complex": 0,
    "average_monthly_employer_a_income_complex": 4665.78,
    "average_monthly_employer_b_income_complex": 0,
    "average_monthly_employer_income_complex": 4665.78,
    "average_monthly_employer_other_income_complex": 0,
    "average_monthly_employment_insurance_income_complex": 0,
    "average_monthly_free_cash_flow": 334.96,
    "average_monthly_government_income_complex": 3902.59,
    "average_monthly_loan_deposits_complex": 0,
    "average_monthly_loan_payments_complex": 190.5,
    "average_monthly_micro_loan_payments_complex": 0,
    "average_monthly_mortgage_payments_complex": 190.5,
    "average_monthly_non_employer_income_complex": 2998.26,
    "average_monthly_nsf_fees_count": 0.09,
    "average_monthly_other_loan_payments_complex": 0,
    "average_monthly_pension_income_complex": 0,
    "average_monthly_recurring_transfers_in_complex": 0,
    "average_monthly_recurring_transfers_out_complex": 0,
    "average_monthly_social_assistance_income_complex": 0,
    "average_monthly_student_loan_payments_complex": 0,
    "average_monthly_telecom_payments_complex": 1159.67,
    "average_monthly_total_income_complex": 7664.04,
    "average_monthly_total_recurring_deposits_complex": 4835.99,
    "average_monthly_total_recurring_payments_complex": 311.42,
    "average_monthly_utility_payments_complex": 0,
    "average_monthly_wsib_income_complex": 0,
    "average_pension_deposit": 0,
    "average_social_assistance_deposit": 0,
    "average_wsib_deposit": 0,
    "balance_90_days_ago": 507.81,
    "balance_current": 3880.28,
    "balance_max": 38780.97,
    "balance_min": 105.16,
    "balance_trend_simple": "INCREASING",
    "child_support_income_government_frequency": "BiWeekly",
    "count_active_days": 129,
    "count_auto_loan_payments_10_months_ago": 0,
    "count_auto_loan_payments_11_months_ago": 0,
    "count_auto_loan_payments_12_months_ago": 0,
    "count_auto_loan_payments_2_months_ago": 0,
    "count_auto_loan_payments_3_months_ago": 0,
    "count_auto_loan_payments_4_months_ago": 0,
    "count_auto_loan_payments_5_months_ago": 0,
    "count_auto_loan_payments_6_months_ago": 0,
    "count_auto_loan_payments_7_months_ago": 0,
    "count_auto_loan_payments_8_months_ago": 0,
    "count_auto_loan_payments_9_months_ago": 0,
    "count_auto_loan_payments_current_month": 0,
    "count_auto_loan_payments_previous_month": 0,
    "count_child_support_income_government_10_months_ago": 0,
    "count_child_support_income_government_11_months_ago": 0,
    "count_child_support_income_government_12_months_ago": 0,
    "count_child_support_income_government_2_months_ago": 0,
    "count_child_support_income_government_3_months_ago": 0,
    "count_child_support_income_government_4_months_ago": 0,
    "count_child_support_income_government_5_months_ago": 0,
    "count_child_support_income_government_6_months_ago": 0,
    "count_child_support_income_government_7_months_ago": 0,
    "count_child_support_income_government_8_months_ago": 0,
    "count_child_support_income_government_9_months_ago": 0,
    "count_child_support_income_government_current_month": 1,
    "count_child_support_income_government_previous_month": 1,
    "count_days_negative_balance_90_days": 0,
    "count_disability_income_10_months_ago": 0,
    "count_disability_income_11_months_ago": 0,
    "count_disability_income_12_months_ago": 0,
    "count_disability_income_2_months_ago": 0,
    "count_disability_income_3_months_ago": 0,
    "count_disability_income_4_months_ago": 0,
    "count_disability_income_5_months_ago": 0,
    "count_disability_income_6_months_ago": 0,
    "count_disability_income_7_months_ago": 0,
    "count_disability_income_8_months_ago": 0,
    "count_disability_income_9_months_ago": 0,
    "count_disability_income_current_month": 0,
    "count_disability_income_previous_month": 0,
    "count_distinct_micro_lenders": 0,
    "count_employer_a_income_10_months_ago": 2,
    "count_employer_a_income_11_months_ago": 2,
    "count_employer_a_income_12_months_ago": 0,
    "count_employer_a_income_2_months_ago": 2,
    "count_employer_a_income_3_months_ago": 2,
    "count_employer_a_income_4_months_ago": 3,
    "count_employer_a_income_5_months_ago": 2,
    "count_employer_a_income_6_months_ago": 2,
    "count_employer_a_income_7_months_ago": 2,
    "count_employer_a_income_8_months_ago": 2,
    "count_employer_a_income_9_months_ago": 3,
    "count_employer_a_income_current_month": 0,
    "count_employer_a_income_previous_month": 2,
    "count_employer_b_income_10_months_ago": 0,
    "count_employer_b_income_11_months_ago": 0,
    "count_employer_b_income_12_months_ago": 0,
    "count_employer_b_income_2_months_ago": 0,
    "count_employer_b_income_3_months_ago": 0,
    "count_employer_b_income_4_months_ago": 0,
    "count_employer_b_income_5_months_ago": 0,
    "count_employer_b_income_6_months_ago": 0,
    "count_employer_b_income_7_months_ago": 0,
    "count_employer_b_income_8_months_ago": 0,
    "count_employer_b_income_9_months_ago": 0,
    "count_employer_b_income_current_month": 0,
    "count_employer_b_income_previous_month": 0,
    "count_employer_income_10_months_ago": 2,
    "count_employer_income_11_months_ago": 2,
    "count_employer_income_12_months_ago": 0,
    "count_employer_income_2_months_ago": 2,
    "count_employer_income_3_months_ago": 2,
    "count_employer_income_4_months_ago": 3,
    "count_employer_income_5_months_ago": 2,
    "count_employer_income_6_months_ago": 2,
    "count_employer_income_7_months_ago": 2,
    "count_employer_income_8_months_ago": 2,
    "count_employer_income_9_months_ago": 3,
    "count_employer_income_current_month": 0,
    "count_employer_income_previous_month": 2,
    "count_employer_other_income_10_months_ago": 0,
    "count_employer_other_income_11_months_ago": 0,
    "count_employer_other_income_12_months_ago": 0,
    "count_employer_other_income_2_months_ago": 0,
    "count_employer_other_income_3_months_ago": 0,
    "count_employer_other_income_4_months_ago": 0,
    "count_employer_other_income_5_months_ago": 0,
    "count_employer_other_income_6_months_ago": 0,
    "count_employer_other_income_7_months_ago": 0,
    "count_employer_other_income_8_months_ago": 0,
    "count_employer_other_income_9_months_ago": 0,
    "count_employer_other_income_current_month": 0,
    "count_employer_other_income_previous_month": 0,
    "count_employment_insurance_income_10_months_ago": 0,
    "count_employment_insurance_income_11_months_ago": 0,
    "count_employment_insurance_income_12_months_ago": 0,
    "count_employment_insurance_income_2_months_ago": 0,
    "count_employment_insurance_income_3_months_ago": 0,
    "count_employment_insurance_income_4_months_ago": 0,
    "count_employment_insurance_income_5_months_ago": 0,
    "count_employment_insurance_income_6_months_ago": 0,
    "count_employment_insurance_income_7_months_ago": 0,
    "count_employment_insurance_income_8_months_ago": 0,
    "count_employment_insurance_income_9_months_ago": 0,
    "count_employment_insurance_income_current_month": 0,
    "count_employment_insurance_income_previous_month": 0,
    "count_government_income_10_months_ago": 0,
    "count_government_income_11_months_ago": 0,
    "count_government_income_12_months_ago": 0,
    "count_government_income_2_months_ago": 0,
    "count_government_income_3_months_ago": 0,
    "count_government_income_4_months_ago": 0,
    "count_government_income_5_months_ago": 0,
    "count_government_income_6_months_ago": 0,
    "count_government_income_7_months_ago": 0,
    "count_government_income_8_months_ago": 0,
    "count_government_income_9_months_ago": 0,
    "count_government_income_current_month": 1,
    "count_government_income_previous_month": 1,
    "count_insurance_income_10_months_ago": 0,
    "count_insurance_income_11_months_ago": 0,
    "count_insurance_income_12_months_ago": 0,
    "count_insurance_income_2_months_ago": 0,
    "count_insurance_income_3_months_ago": 0,
    "count_insurance_income_4_months_ago": 0,
    "count_insurance_income_5_months_ago": 0,
    "count_insurance_income_6_months_ago": 0,
    "count_insurance_income_7_months_ago": 0,
    "count_insurance_income_8_months_ago": 0,
    "count_insurance_income_9_months_ago": 0,
    "count_insurance_income_current_month": 0,
    "count_insurance_income_previous_month": 0,
    "count_loan_payments_10_months_ago": 0,
    "count_loan_payments_11_months_ago": 0,
    "count_loan_payments_12_months_ago": 0,
    "count_loan_payments_2_months_ago": 0,
    "count_loan_payments_3_months_ago": 0,
    "count_loan_payments_4_months_ago": 0,
    "count_loan_payments_5_months_ago": 0,
    "count_loan_payments_6_months_ago": 0,
    "count_loan_payments_7_months_ago": 0,
    "count_loan_payments_8_months_ago": 0,
    "count_loan_payments_9_months_ago": 0,
    "count_loan_payments_current_month": 1,
    "count_loan_payments_previous_month": 1,
    "count_micro_loan_payments_10_months_ago": 0,
    "count_micro_loan_payments_11_months_ago": 0,
    "count_micro_loan_payments_12_months_ago": 0,
    "count_micro_loan_payments_2_months_ago": 0,
    "count_micro_loan_payments_3_months_ago": 0,
    "count_micro_loan_payments_4_months_ago": 0,
    "count_micro_loan_payments_5_months_ago": 0,
    "count_micro_loan_payments_6_months_ago": 0,
    "count_micro_loan_payments_7_months_ago": 0,
    "count_micro_loan_payments_8_months_ago": 0,
    "count_micro_loan_payments_9_months_ago": 0,
    "count_micro_loan_payments_current_month": 0,
    "count_micro_loan_payments_previous_month": 0,
    "count_mortgage_payments_10_months_ago": 0,
    "count_mortgage_payments_11_months_ago": 0,
    "count_mortgage_payments_12_months_ago": 0,
    "count_mortgage_payments_2_months_ago": 0,
    "count_mortgage_payments_3_months_ago": 0,
    "count_mortgage_payments_4_months_ago": 0,
    "count_mortgage_payments_5_months_ago": 0,
    "count_mortgage_payments_6_months_ago": 0,
    "count_mortgage_payments_7_months_ago": 0,
    "count_mortgage_payments_8_months_ago": 0,
    "count_mortgage_payments_9_months_ago": 0,
    "count_mortgage_payments_current_month": 1,
    "count_mortgage_payments_previous_month": 1,
    "count_non_employer_income_10_months_ago": 0,
    "count_non_employer_income_11_months_ago": 0,
    "count_non_employer_income_12_months_ago": 0,
    "count_non_employer_income_2_months_ago": 1,
    "count_non_employer_income_3_months_ago": 0,
    "count_non_employer_income_4_months_ago": 0,
    "count_non_employer_income_5_months_ago": 0,
    "count_non_employer_income_6_months_ago": 0,
    "count_non_employer_income_7_months_ago": 1,
    "count_non_employer_income_8_months_ago": 0,
    "count_non_employer_income_9_months_ago": 1,
    "count_non_employer_income_current_month": 2,
    "count_non_employer_income_previous_month": 1,
    "count_nsf": 1,
    "count_nsf_30_days": 0,
    "count_nsf_6_months": 1,
    "count_nsf_60_days": 1,
    "count_nsf_90_days": 1,
    "count_nsf_day_after_employer_income": 0,
    "count_nsf_day_after_government_income": 0,
    "count_nsf_day_of_employer_income": 0,
    "count_nsf_day_of_government_income": 0,
    "count_other_loan_payments_10_months_ago": 0,
    "count_other_loan_payments_11_months_ago": 0,
    "count_other_loan_payments_12_months_ago": 0,
    "count_other_loan_payments_2_months_ago": 0,
    "count_other_loan_payments_3_months_ago": 0,
    "count_other_loan_payments_4_months_ago": 0,
    "count_other_loan_payments_5_months_ago": 0,
    "count_other_loan_payments_6_months_ago": 0,
    "count_other_loan_payments_7_months_ago": 0,
    "count_other_loan_payments_8_months_ago": 0,
    "count_other_loan_payments_9_months_ago": 0,
    "count_other_loan_payments_current_month": 0,
    "count_other_loan_payments_previous_month": 0,
    "count_pension_income_10_months_ago": 0,
    "count_pension_income_11_months_ago": 0,
    "count_pension_income_12_months_ago": 0,
    "count_pension_income_2_months_ago": 0,
    "count_pension_income_3_months_ago": 0,
    "count_pension_income_4_months_ago": 0,
    "count_pension_income_5_months_ago": 0,
    "count_pension_income_6_months_ago": 0,
    "count_pension_income_7_months_ago": 0,
    "count_pension_income_8_months_ago": 0,
    "count_pension_income_9_months_ago": 0,
    "count_pension_income_current_month": 0,
    "count_pension_income_previous_month": 0,
    "count_social_assistance_income_10_months_ago": 0,
    "count_social_assistance_income_11_months_ago": 0,
    "count_social_assistance_income_12_months_ago": 0,
    "count_social_assistance_income_2_months_ago": 0,
    "count_social_assistance_income_3_months_ago": 0,
    "count_social_assistance_income_4_months_ago": 0,
    "count_social_assistance_income_5_months_ago": 0,
    "count_social_assistance_income_6_months_ago": 0,
    "count_social_assistance_income_7_months_ago": 0,
    "count_social_assistance_income_8_months_ago": 0,
    "count_social_assistance_income_9_months_ago": 0,
    "count_social_assistance_income_current_month": 0,
    "count_social_assistance_income_previous_month": 0,
    "count_stop_payment_30_days": 0,
    "count_stop_payment_60_days": 0,
    "count_stop_payment_90_days": 0,
    "count_stop_payment_reversals_30_days": 0,
    "count_stop_payment_reversals_60_days": 0,
    "count_stop_payment_reversals_90_days": 0,
    "count_student_loan_payments_10_months_ago": 0,
    "count_student_loan_payments_11_months_ago": 0,
    "count_student_loan_payments_12_months_ago": 0,
    "count_student_loan_payments_2_months_ago": 0,
    "count_student_loan_payments_3_months_ago": 0,
    "count_student_loan_payments_4_months_ago": 0,
    "count_student_loan_payments_5_months_ago": 0,
    "count_student_loan_payments_6_months_ago": 0,
    "count_student_loan_payments_7_months_ago": 0,
    "count_student_loan_payments_8_months_ago": 0,
    "count_student_loan_payments_9_months_ago": 0,
    "count_student_loan_payments_current_month": 0,
    "count_student_loan_payments_previous_month": 0,
    "count_telecom_payments_10_months_ago": 0,
    "count_telecom_payments_11_months_ago": 0,
    "count_telecom_payments_12_months_ago": 0,
    "count_telecom_payments_2_months_ago": 0,
    "count_telecom_payments_3_months_ago": 0,
    "count_telecom_payments_4_months_ago": 0,
    "count_telecom_payments_5_months_ago": 0,
    "count_telecom_payments_6_months_ago": 0,
    "count_telecom_payments_7_months_ago": 0,
    "count_telecom_payments_8_months_ago": 0,
    "count_telecom_payments_9_months_ago": 0,
    "count_telecom_payments_current_month": 0,
    "count_telecom_payments_previous_month": 1,
    "count_total_income_10_months_ago": 2,
    "count_total_income_11_months_ago": 2,
    "count_total_income_12_months_ago": 0,
    "count_total_income_2_months_ago": 3,
    "count_total_income_3_months_ago": 2,
    "count_total_income_4_months_ago": 3,
    "count_total_income_5_months_ago": 2,
    "count_total_income_6_months_ago": 2,
    "count_total_income_7_months_ago": 3,
    "count_total_income_8_months_ago": 2,
    "count_total_income_9_months_ago": 4,
    "count_total_income_current_month": 2,
    "count_total_income_previous_month": 3,
    "count_utility_payments_10_months_ago": 0,
    "count_utility_payments_11_months_ago": 0,
    "count_utility_payments_12_months_ago": 0,
    "count_utility_payments_2_months_ago": 0,
    "count_utility_payments_3_months_ago": 0,
    "count_utility_payments_4_months_ago": 0,
    "count_utility_payments_5_months_ago": 0,
    "count_utility_payments_6_months_ago": 0,
    "count_utility_payments_7_months_ago": 0,
    "count_utility_payments_8_months_ago": 0,
    "count_utility_payments_9_months_ago": 0,
    "count_utility_payments_current_month": 0,
    "count_utility_payments_previous_month": 0,
    "count_wsib_income_10_months_ago": 0,
    "count_wsib_income_11_months_ago": 0,
    "count_wsib_income_12_months_ago": 0,
    "count_wsib_income_2_months_ago": 0,
    "count_wsib_income_3_months_ago": 0,
    "count_wsib_income_4_months_ago": 0,
    "count_wsib_income_5_months_ago": 0,
    "count_wsib_income_6_months_ago": 0,
    "count_wsib_income_7_months_ago": 0,
    "count_wsib_income_8_months_ago": 0,
    "count_wsib_income_9_months_ago": 0,
    "count_wsib_income_current_month": 0,
    "count_wsib_income_previous_month": 0,
    "credit_activity_trend_simple": "DECREASING",
    "total_deposits_trend_simple": "DECREASING",
    "debit_activity_trend_simple": "DECREASING",
    "disability_income_frequency": "NONE_DETECTED",
    "employer_a_frequency": "Unknown",
    "employer_a_name": "Unknown",
    "employer_b_frequency": "NONE_DETECTED",
    "employer_b_name": "NONE_DETECTED",
    "employer_income_frequency": "Unknown",
    "employer_income_trend_simple": "NONE_DETECTED",
    "employer_name": "Unknown",
    "employer_other_frequency": "NONE_DETECTED",
    "employer_other_name": "NONE_DETECTED",
    "employment_insurance_income_frequency": "NONE_DETECTED",
    "estimated_annual_net_employer_a_income": 55989.36,
    "estimated_annual_net_employer_b_income": 0,
    "estimated_annual_net_employer_income": 56350.66,
    "estimated_annual_net_employer_other_income": 0,
    "government_income_frequency": "BiWeekly",
    "has_employer_income_in_last_14_days": "NO",
    "has_employer_income_in_last_30_days": "NO",
    "has_employer_income_in_last_7_days": "NO",
    "has_government_income_in_last_14_days": "YES",
    "has_government_income_in_last_30_days": "YES",
    "has_government_income_in_last_7_days": "NO",
    "has_overdraft": false,
    "is_employment_loss_detected": "True",
    "last_2_paydates_child_support_income_government": "2026-04-09, 2026-03-26",
    "last_2_paydates_disability_income": "NONE_DETECTED",
    "last_2_paydates_employer_a": "2026-04-17, 2026-04-15",
    "last_2_paydates_employer_b": "NONE_DETECTED",
    "last_2_paydates_employer_other": "NONE_DETECTED",
    "last_2_paydates_employment_insurance_income": "NONE_DETECTED",
    "last_2_paydates_government_income": "2026-04-09, 2026-03-26",
    "last_2_paydates_pension_income": "NONE_DETECTED",
    "last_2_paydates_social_assistance_income": "NONE_DETECTED",
    "last_2_paydates_wsib_income": "NONE_DETECTED",
    "micro_lender_name": "NONE_DETECTED",
    "micro_loan_payment_frequency": "NONE_DETECTED",
    "overall_activity_trend_simple": "DECREASING",
    "pension_income_frequency": "NONE_DETECTED",
    "recurring_deposits_10_months_ago": 5954.9,
    "recurring_deposits_11_months_ago": 3776.11,
    "recurring_deposits_12_months_ago": 3950.19,
    "recurring_deposits_2_months_ago": 5978.11,
    "recurring_deposits_3_months_ago": 4197.6,
    "recurring_deposits_4_months_ago": 4517.42,
    "recurring_deposits_5_months_ago": 7096.69,
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        "Transactions": [
          {
            "TransactionId": "ea9286f8-c449-4418-a402-2a534abf6d24",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2025-06-19",
            "Description": "Paie/Payroll",
            "Credit": 1736.15,
            "Balance": 1746.63
          },
          {
            "TransactionId": "bf673474-4de2-4ca2-b2d0-6ac09c0eda12",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2025-06-05",
            "Description": "Paie/Payroll",
            "Credit": 2039.96,
            "Balance": 2114.48
          }
        ]
      }
    ]
  },
  "Login": {
    "Username": "multiple_employers",
    "IsScheduledRefresh": false,
    "LastRefresh": "2026-04-16T09:23:14.5821093",
    "Type": "Personal",
    "Id": "367046b0-7699-483d-94c2-08d9a3d5c70f"
  },
  "RequestId": "b0ad6069-b40c-4c7e-aead-91c849d0b9f1"
}
This endpoint will provide you with all Lending Use-Case Attributes. Please refer to our Quickstart guide for further information on the use-cases / when to use this specific endpoint.

Path Parameters

customerId
string
default:43387ca6-0391-4c82-857d-70d95f087ecb
required

Unique GUID provided by Flinks that grants you access to the environment.

loginId
string
required

GUID representing end user's login ID.

requestId
string
required

GUID representing an authorized request to the API.

Response

Result

HttpStatusCode
integer

HTTP status code of the response.

Card
object

Object containing an Id field and all the requested lending attributes.

Login
object

Object containing login metadata.

RequestId
string

Unique identifier for the request.