---
title: "Update loan data"
method: POST
path: "/cra/loans/update"
tags: ["plaid"]
---

# Update loan data

`POST /cra/loans/update`

`/cra/loans/update` updates loan information such as the status and payment history.

## Request body

- CraLoansUpdateRequest — CraLoansUpdateRequest defines the request schema for `/cra/loans/update`
  - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
  - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
  - `loans` CraLoanUpdate[], required — A list of loans to update.
    - `loan_id` string — A unique identifier for the loan. Personally identifiable information, such as an email address or phone number, should not be used in the `loan_id`.
    - `status_history` CraLoanStatusHistoryUpdate[] — A list of status update history of the loan.
      - `status` 'APPROVED' | 'DECLINED' | 'BOOKED' | 'CURRENT' | 'DELINQUENT' | 'DEFAULT' | 'CHARGED_OFF' | 'TRANSFERRED' | 'PAID_OFF' | 'OTHER', required — The status of the loan.
      - `date` string, date, required — The effective date for the status of the loan. The date should be in ISO 8601 format (YYYY-MM-DD).
    - `payment_history` CraLoanPaymentHistory[] — The updates to the payment history for the loan.
      - `period` integer, required — The index to identify the loan's payment period, starting from 1. For example: 1 means the period between the loan's opening date and the 1st payment due date. 2 means the period between the loan's 1st payment due date and 2nd payment due date.
      - `due_date` string, date, required — The payment due date or end date of the payment period. The date should be in ISO 8601 format (YYYY-MM-DD).
      - `days_past_due` integer, required — The number of days the loan was delinquent at the end of the pay period. If specified, should be greater than or equal to 0.
      - `amount_past_due` number — The amount past due or the charge-off amount of the loan at the end of the payment period.
      - `balance_remaining` number — The balance remaining on the loan at the end of the payment period.

## Response `200`

OK

- CraLoansUpdateResponse — CraLoansUpdateResponse defines the response schema for `/cra/loans/update`.
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default` — Error response

## Changes

- **2026-07-22** `a1bbca018160` — 13 warning
  - added the new `ASSETS_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `CRA_MONITORING_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `CREDIT_PROFILE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `ENCOMPASS_ERROR` enum value to the `error_type` response property for the response status `default`
  - …9 more
- **2026-06-25** `80d23bfdc2e5` — 1 warning
  - added the new `IDEMPOTENCY_ERROR` enum value to the `error_type` response property for the response status `default`
- **2026-06-10** `fb8c3f188d8b` — 1 warning
  - added the new `BASE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default`
- **2025-12-11** `465584b48c99` — 2 info
  - added the optional property `provided_account_subtypes` to the response with the `default` status
  - added the optional property `required_account_subtypes` to the response with the `default` status
- **2025-11-19** `4abee1c56929` — 1 info
  - removed the `IDENTITY_ERROR` enum value from the `error_type` response property for the response status `default`

[Full history](https://skmtc.dev/plaid/apis/the-plaid-api/changes/cra/loans/update/post.md)

---

[API](https://skmtc.dev/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.dev/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/e536704a333f/schema)