Get an account

curl --request GET \
  --url https://api.montereyfinancial.app/accounts/{account_id} \
  --header 'Authorization: Bearer <token>'

import requests

url = "https://api.montereyfinancial.app/accounts/{account_id}"

headers = {"Authorization": "Bearer <token>"}

response = requests.get(url, headers=headers)

print(response.text)

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.montereyfinancial.app/accounts/{account_id}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.montereyfinancial.app/accounts/{account_id}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "GET",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api.montereyfinancial.app/accounts/{account_id}"

	req, _ := http.NewRequest("GET", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.get("https://api.montereyfinancial.app/accounts/{account_id}")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.montereyfinancial.app/accounts/{account_id}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Get.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "id": "<string>",
  "organization_id": "<string>",
  "contract_id": "<string>",
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z",
  "contract": {
    "id": "<string>",
    "cash_price_cents": 123,
    "original_term": 123,
    "original_payment_amount_cents": 123,
    "original_interest_rate_bps": 123,
    "original_apr_bps": 123,
    "originated_at": "2023-12-25",
    "first_payment_due_at": "2023-12-25"
  },
  "primary_borrower_party_id": "<string>",
  "external_account_number": 123,
  "external_contract_number": "<string>",
  "status_code": "<string>",
  "current_balance_cents": 123,
  "past_due_amount_cents": 123,
  "payoff_amount_cents": 123,
  "payment_amount_cents": 123,
  "payment_frequency": "<string>",
  "last_payment_at": "2023-12-25",
  "next_payment_due_at": "2023-12-25",
  "payments_made": 123,
  "interest_rate_bps": 123,
  "apr_bps": 123,
  "interest_start_at": "2023-12-25",
  "days_past_due_30": 123,
  "days_past_due_60": 123,
  "days_past_due_90": 123,
  "nsf_count": 123,
  "opened_at": "2023-12-25",
  "closed_at": "2023-12-25",
  "accrued_interest_cents": 123,
  "accrued_late_charge_cents": 123,
  "last_payment_amount_cents": 123,
  "first_payment_made_at": "2023-12-25",
  "final_payment_amount_cents": 123,
  "last_extension_at": "2023-12-25",
  "interest_base_days": 123,
  "over_short_cents": 123,
  "borrower": {
    "party_id": "<string>",
    "display_name": "<string>",
    "first_name": "<string>",
    "last_name": "<string>",
    "date_of_birth": "2023-12-25",
    "ssn_last_four": "<string>"
  },
  "co_borrowers": [
    {
      "party_id": "<string>",
      "display_name": "<string>",
      "role": "<string>",
      "first_name": "<string>",
      "last_name": "<string>",
      "date_of_birth": "2023-12-25",
      "ssn_last_four": "<string>"
    }
  ]
}

{
  "detail": [
    {
      "loc": [
        "<string>"
      ],
      "msg": "<string>",
      "type": "<string>",
      "input": "<unknown>",
      "ctx": {}
    }
  ]
}

GET

accounts

{account_id}

Get an account

curl --request GET \
  --url https://api.montereyfinancial.app/accounts/{account_id} \
  --header 'Authorization: Bearer <token>'

import requests

url = "https://api.montereyfinancial.app/accounts/{account_id}"

headers = {"Authorization": "Bearer <token>"}

response = requests.get(url, headers=headers)

print(response.text)

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.montereyfinancial.app/accounts/{account_id}', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.montereyfinancial.app/accounts/{account_id}",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "GET",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api.montereyfinancial.app/accounts/{account_id}"

	req, _ := http.NewRequest("GET", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.get("https://api.montereyfinancial.app/accounts/{account_id}")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.montereyfinancial.app/accounts/{account_id}")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Get.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "id": "<string>",
  "organization_id": "<string>",
  "contract_id": "<string>",
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z",
  "contract": {
    "id": "<string>",
    "cash_price_cents": 123,
    "original_term": 123,
    "original_payment_amount_cents": 123,
    "original_interest_rate_bps": 123,
    "original_apr_bps": 123,
    "originated_at": "2023-12-25",
    "first_payment_due_at": "2023-12-25"
  },
  "primary_borrower_party_id": "<string>",
  "external_account_number": 123,
  "external_contract_number": "<string>",
  "status_code": "<string>",
  "current_balance_cents": 123,
  "past_due_amount_cents": 123,
  "payoff_amount_cents": 123,
  "payment_amount_cents": 123,
  "payment_frequency": "<string>",
  "last_payment_at": "2023-12-25",
  "next_payment_due_at": "2023-12-25",
  "payments_made": 123,
  "interest_rate_bps": 123,
  "apr_bps": 123,
  "interest_start_at": "2023-12-25",
  "days_past_due_30": 123,
  "days_past_due_60": 123,
  "days_past_due_90": 123,
  "nsf_count": 123,
  "opened_at": "2023-12-25",
  "closed_at": "2023-12-25",
  "accrued_interest_cents": 123,
  "accrued_late_charge_cents": 123,
  "last_payment_amount_cents": 123,
  "first_payment_made_at": "2023-12-25",
  "final_payment_amount_cents": 123,
  "last_extension_at": "2023-12-25",
  "interest_base_days": 123,
  "over_short_cents": 123,
  "borrower": {
    "party_id": "<string>",
    "display_name": "<string>",
    "first_name": "<string>",
    "last_name": "<string>",
    "date_of_birth": "2023-12-25",
    "ssn_last_four": "<string>"
  },
  "co_borrowers": [
    {
      "party_id": "<string>",
      "display_name": "<string>",
      "role": "<string>",
      "first_name": "<string>",
      "last_name": "<string>",
      "date_of_birth": "2023-12-25",
      "ssn_last_four": "<string>"
    }
  ]
}

{
  "detail": [
    {
      "loc": [
        "<string>"
      ],
      "msg": "<string>",
      "type": "<string>",
      "input": "<unknown>",
      "ctx": {}
    }
  ]
}

Authorizations

Authorization

string

header

required

Static API key issued via the client portal. Treat it like a password.

Path Parameters

account_id

string

required

Response

Successful Response

Richer per-account snapshot for GET /accounts/{id}. Extends AccountRow with restored balance/payment fields, audit timestamps, additional account terms, and nested contract + borrower blocks.

string

required

organization_id

string

required

The organization the account belongs to. Same value on every row for that organization.

contract_id

string

required

created_at

string<date-time>

required

updated_at

string<date-time>

required

contract

ContractSummary · object

required

Originated-loan facts. Returned nested on AccountDetailRow.

Show child attributes

primary_borrower_party_id

string | null

The person who is the primary borrower on this account.

external_account_number

integer | null

Account number assigned by the source loan management system. Stable for the account's lifetime; useful for cross-referencing LMS-side exports.

external_contract_number

string | null

Contract identifier you/your systems pass to Monterey at account creation — the canonical join key back to your systems.

status_code

string | null

Short code for the account's current status (e.g. OPEN, CHARGED_OFF, PAID_IN_FULL).

current_balance_cents

integer | null

Current outstanding balance in integer cents.

past_due_amount_cents

integer | null

Amount past due in integer cents.

payoff_amount_cents

integer | null

Amount required to pay off the account in full, in integer cents.

payment_amount_cents

integer | null

Scheduled per-period payment amount in integer cents.

payment_frequency

string | null

Cadence of scheduled payments (e.g. 'monthly', 'biweekly').

last_payment_at

string<date> | null

Date of the most recent payment received.

next_payment_due_at

string<date> | null

Due date of the next scheduled payment.

payments_made

integer | null

interest_rate_bps

integer | null

Annual interest rate in basis points; divide by 10000 for the decimal rate.

apr_bps

integer | null

Annual percentage rate in basis points; divide by 10000 for the decimal rate.

interest_start_at

string<date> | null

days_past_due_30

integer | null

Days the account has spent in the 1–30 days-past-due delinquency bucket.

days_past_due_60

integer | null

Days the account has spent in the 31–60 days-past-due delinquency bucket.

days_past_due_90

integer | null

Days the account has spent in the 61–90 days-past-due delinquency bucket.

nsf_count

integer | null

Number of non-sufficient-funds (NSF) events on this account.

opened_at

string<date> | null

Date the account was opened / activated.

closed_at

string<date> | null

Date the account was closed. Null if still open.

accrued_interest_cents

integer | null

Accrued but not yet billed interest, in integer cents.

accrued_late_charge_cents

integer | null

Accrued late charges not yet billed, in integer cents.

last_payment_amount_cents

integer | null

Amount of the most recent payment, in integer cents.

first_payment_made_at

string<date> | null

Date of the first payment received on this account.

final_payment_amount_cents

integer | null

Scheduled final (balloon) payment amount, in integer cents.

last_extension_at

string<date> | null

Date of the most recent term extension granted on this account.

interest_base_days

integer | null

Day-count convention used for interest accrual (e.g. 360 or 365).

over_short_cents

integer | null

Over/short adjustment balance in integer cents.

borrower

BorrowerSummary · object | null

Null if no primary borrower is recorded on the account.

Show child attributes

co_borrowers

CoBorrowerSummary · object[]

Active non-primary parties on the account (co-borrowers, co-signers, guarantors). Empty list if none.

Show child attributes

List accounts List account transactions

Overview

Endpoints

Get an account

Authorizations

Path Parameters

Response