View Existing Loans
Loan history of deposits and withdrawals to bank accounts
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.

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
Existing Loans
Date Desc. 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
Part of the complete suite








Photo ID

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.
Simple Quickstart
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
Quickstart JS API
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
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.
Instant Access
Get your API Access Key and get complete online documentation to have your application up and running in minutes.
Easy Integration
Drop in frameworks make it quick and easy to get started. Choose from JS, iFrame or Direct API integrations.
No Pre-payment
Some 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 Averages

View 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

  Estimate integration time
  Help you choose the right products
  Information on pricing

Start your loan application today

Get the money you need quickly without hassle