Method Financial
Method Financial provides API and web connectivity for consumer credit and liability accounts, combined with embedded payment tools.
What Method Financial is
Method Financial provides API and web connectivity for consumer credit and liability accounts, combined with embedded payment tools. It is designed for lenders, fintechs, and financial institutions building consumer finance products. Method Connect lets users link multiple liabilities in one authentication flow using their name and phone, with consent and without sharing account login credentials. Supported accounts include mortgages, student loans, auto loans, personal loans, and credit cards. Method says one API supplies real-time information across 20,000+ financial institutions and systems of record. Data may include balances, due dates, credit limits, interest rates, transactions, payoff quotes, card details, property and vehicle information, and risk indicators. Connections can refresh on demand or continuously and remain active until revoked. Method Pay supports loan payoff, bill payment, and balance transfers, tracking payments from pending to posted. Alerts can flag debt payments, maxed-out cards, and early risk signals. Pricing is on request, with prospective customers directed to book a demo.
Good
- Connects multiple liabilities with one authentication
- No account login credentials required from users
- Real-time data across 20,000+ institutions
- Supports payoff, bill payment, and transfers
- Includes alerts and webhook support
Watch out
- Pricing is available only on request
- Designed for financial institutions and product builders
- Account connections remain active unless revoked
Who it suits
Method Financial suits lenders, fintechs, and financial institutions that need account data and embedded payments. It is aimed at teams building consumer credit or liability products through APIs and a dashboard.
Verdict
Method Financial combines liability data, account connectivity, alerts, and payment workflows in an API-led product. Organizations must contact Method for pricing and evaluate the service within its financial-institution focus.
The facts
Each one read from Method Financial's own pages, with the date it was checked.
What it does
- Account connection
- Method Connect links multiple liability and credit accounts with a single authentication without requiring account credentials.checked 4 Oct 2026
- Account coverage
- Method Connect can access liabilities including mortgages, student loans, auto loans, personal loans, and credit cards.checked 4 Oct 2026
- Alerts
- Method says it can send instant alerts for borrower debt payments, maxed-out cards, and early risk signals.checked 4 Oct 2026
- Commercial availability
- The product pages invite prospective customers to book a demo; they do not state prices on the pages reviewed.checked 4 Oct 2026
- Connection flow
- Method says users can connect credit and liability accounts using their name and phone, with consent and without providing login credentials.checked 4 Oct 2026
- Credential handling
- Method says customers do not need to collect users' sensitive account credentials because Method handles data security and privacy compliance.checked 4 Oct 2026
- Dashboard
- Method describes a team dashboard for onboarding users, paying off balances, reconciling accounts, and managing API access.checked 4 Oct 2026
- Data coverage
- Method says it provides real-time data across 20,000+ financial institutions and systems of record through one API.checked 4 Oct 2026
- Data features
- Its data includes liability balances and due dates, card details, property and vehicle information, near-real-time transaction data, and behavioral or risk indicators.checked 4 Oct 2026
- Evergreen connections
- Method says users’ liability data can be refreshed on demand or ongoing, and connections remain active unless revoked.checked 4 Oct 2026
- Integrations
- Method lists SoFi, Bilt, Aven, Happy Money, and Cleo as companies using its products in customer examples.checked 4 Oct 2026
- Intended customers
- Method presents its products for fintechs, lenders, banks, credit unions, personal finance providers, and commerce use cases.checked 4 Oct 2026
- Payment compliance
- Method says it handles PCI compliance and regulatory requirements across payment rails.checked 4 Oct 2026
- Payments
- Method Pay supports loan payoff, bill payment, and balance transfers, with payment tracking from pending to posted.checked 4 Oct 2026
- Pricing and sales
- The site directs prospective customers to book a demo and does not publish plan prices on the pages reviewed.checked 4 Oct 2026
- Product
- Method provides connectivity to consumer credit and liability accounts with embedded payments, real-time account data, and one-click checkout.checked 4 Oct 2026
- Real-time data
- Method Data provides balances, due dates, credit limits, interest rates, transactions, payoff quotes, and other account details.checked 4 Oct 2026
- Security
- Method's Trust Center lists CCPA, GLBA, PCI DSS, and SOC 2 Type 2 compliance frameworks and certifications.checked 4 Oct 2026
- Security and compliance
- The Trust Center lists CCPA, GLBA, PCI DSS, and SOC 2 Type 2 among its compliance frameworks and certifications.checked 4 Oct 2026
- Support
- Method directs users to [email protected] for more comprehensive security and compliance information and Trust Center help.checked 4 Oct 2026
- Trust review
- The Trust Center provides access to security and compliance information by request and lists [email protected] for inquiries.checked 4 Oct 2026
The company
- Company
- Method's legal terms identify the business as Forward Lending, Inc. d/b/a Method Financial.checked 4 Oct 2026
- Company scale
- Method’s About page states that its services have connected 55M+ users and processed $1B+ in payments per month.checked 4 Oct 2026
- Founded
- 2021checked 28 Sep 2026
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