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Existing Loans Overview
Get a better underwriting process and understand your clients by analyizing existing loans. Get the complete picture, including estimated loan size, loan length, loan count and a complete history of payments to each loan. Save your self time and hassle by avoiding clients who constantly bounce payments.
Get a better underwriting process and understand your clients by analyizing existing loans. Get the complete picture, including estimated loan size, loan length, loan count and a complete history of payments to each loan. Save your self time and hassle by avoiding clients who constantly bounce payments.
Gain Real Insight
Existing Loans offers real insight into a client's existing debt picture and depending on the account age can be more complete than a credit check.
Verify Stated Debt
What's stated on a signup form and what is actually debt can vary, so why ask? Get verified amounts of payday and installment loans.
Payback Ratio
See balances over time as money flows in and out. It makes it easy to see when accounts are constantly negative or have a healthy positive balance.
View NSF, Stop Payments
Avoiding bounced payments is a necessity. It costs you money and frustrates your billing department. Avoid clients who constantly bounce or stop on payments.
Provider Comparison
| Flinks | Plaid | Helium | |
|---|---|---|---|
| Minimum Pricing | $500 CAD or more | $500 USD or more | Free to start |
| API Access | Days to weeks | Over 48h | Instant access |
| Integration Support | Extra Paid Service | No support | Free included support |
| Client Support | Never | Not Offered | Yes, clients can reach out to us directly |
| Cost | Expensive | Very Expensive | Less than the other guys |
| Supported Institutions | Just 10 | Only 20 | Over 99% of clients in Canada |
| API Access for all features are included in your account | |||
Existing Loan Data provides insight
We inspect the complete account, providing you with up to 3 years of account history when available
For Deposits
View Payday and other short term loans
View installment or car loans
See when payments bounce
For Withdrawls
Loan payback ratio
Total monthly payments
New! Estimated credit score
We inspect the complete account, providing you with up to 3 years of account history when available
For Deposits
View Payday and other short term loans
View installment or car loans
See when payments bounce
For Withdrawls
Loan payback ratio
Total monthly payments
New! Estimated credit score
Existing Loans
| Date | Desc.Description | Withdraw | Deposit |
|---|---|---|---|
| Jan 01 | Mogo Lender Payment | $145.25 | |
| Dec 26 | Cash Money | $1,000.00 | |
| Dec 24 | Payment to Visa xxx4438 | $5.25 | |
| Dec 22 | Cash Max | $23.08 | |
| Dec 21 | Helium Loans | $500 | |
| Dec 18 | Helium Financing | $99.00 | |
| Dec 12 | Payment to Line of Credit | $1,000.00 |
History Details
Check Ratio 12.03, 366 Days available
Loan Deposits $3,995.32 ($332.11, 30 day average)
Loan Withdrawls $5,234.21 ($435.10, 30 day average)
Payday Payback Ratio 0.69
Installment Payback Ratio 0.87
Check Ratio 12.03, 366 Days available
Loan Deposits $3,995.32 ($332.11, 30 day average)
Loan Withdrawls $5,234.21 ($435.10, 30 day average)
Payday Payback Ratio 0.69
Installment Payback Ratio 0.87
Part of the complete suite
Transactions
Identity
Balances
Loans
Assets
Accounts
Video
Photo ID
SMS & MMS
Transactions
Identity
Balances
Loans
Assets
Accounts
Video
Photo ID
SMS & MMS
All our API's are available to you in the same account for the same price. Find them all from your dashboard.
Integrate and get started quickly
We get it. It's hard to integrate things.
Choose from 3 different methods for integrating, with drop in JS or Simple Integration to complete backend for those looking for a more customized solution. All options are included with your API access so you can change your mind after.
We get it. It's hard to integrate things.
Choose from 3 different methods for integrating, with drop in JS or Simple Integration to complete backend for those looking for a more customized solution. All options are included with your API access so you can change your mind after.
TRY FREE
Simple Quickstart
Zero configuration drop in iFrame, Emails or Portal to get your started
Zero configuration drop in iFrame, Emails or Portal to get your started
Quick to implement
Email links to clients
Everything is integrated
No libraries or server load
TRY FREE
Quickstart JS API
Include a code snippet to get up and running in minutes
Include a code snippet to get up and running in minutes
Drop in code snippet
Specify where to show
Asyncrounous server calls
Flexible design CSS
TRY FREE
JSON or XML API
Access using HTTPS directly by your backend or in-house software
Access using HTTPS directly by your backend or in-house software
Design your own UI
Use with in-house backend services
Programming samples included
Access raw data
Signup for the starter package and get $1,000 in free calls.
Limited time offer for new clients only. Value based on 1k x $1.00 calls, to the Bank Authorization API.
Limited time offer for new clients only. Value based on 1k x $1.00 calls, to the Bank Authorization API.
Instant AccessGet your API Access Key and get complete online documentation to have your application up and running in minutes.
Easy IntegrationDrop in frameworks make it quick and easy to get started. Choose from JS, iFrame or Direct API integrations.
No Pre-paymentSome providers require you to pre-pay up front hundreds or thousands of dollars. With us you only pay for what you use at the end of the month.
Gain access to the suite of verification API's in minutes
How to get started
It's easy to start integrating with Existing Loans today. You can request a new API Access Key and get your product or service using our API's in minutes.API access includes
Loan Deposits Loan Payments Payback vs Income Ratio Estimated Loan Amount 30 Day AveragesView the complete Existing Loans reference in the API Documentation
API Docs Quickstart
Get in touch with an integration specialist
We're here with you 7 days a week from 9am to 11pm EST
Give us a call at 1-855 6-Helium (643-5486) or email us at support@heliumverify.com
Estimate integration time Help you choose the right products Information on pricing
