--- title: New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends description: This month, we added 140 new Attributes to our Cashflow Attributes API. These Attributes provide detailed data on various financial health aspects, including the count of personal loans from subprime and prime lenders, and a close look at financial behaviors around payroll events—such as median and average current balances and recurring expenditures before and after payday. […] image: https://hs.pavefi.com/hubfs/Imported_Blog_Media/Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends#contact) Apr 26, 2024, 5:08:47 AM # New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) This month, we added 140 new Attributes to our [Cashflow Attributes API](https://docs.pave.dev/attributes). These Attributes provide detailed data on various financial health aspects, including the count of personal loans from subprime and prime lenders, and a close look at financial behaviors around payroll events—such as median and average current balances and recurring expenditures before and after payday. Delve into these [Attributes](https://docs.pave.dev/attributes) to unlock a deeper understanding of financial trends and behaviors. ## Use Cases The new Attributes include new insight into Affordability, Stability, Willingness, and Assets: - Determine if a borrower is paying back subprime or prime personal loans - Analyze balance trends and spending around payroll dates - Track the percentage of income deposited into bank accounts - Check for missed or late payments on loans, credit cards, and mortgages - Identify failed and reversed loan payments - Essential, non-essential and obligatory expenditures to income trends - Unusual transfers ## New Attributes The following Attributes have recently been added to our Attributes API: - subprime\_personal\_loan\_provider\_count\_past\_xd - prime\_personal\_loan\_provider\_count\_past\_xd - median\_current\_balance\_1d\_after\_payroll\_past\_xd - median\_current\_balance\_2d\_after\_payroll\_past\_xd - median\_current\_balance\_3d\_after\_payroll\_past\_xd - average\_current\_balance\_on\_payday\_past\_xd - median\_current\_balance\_on\_payday\_past\_xd - average\_recurring\_expenditures\_1d\_after\_payroll\_past\_xd - average\_recurring\_expenditures\_2d\_after\_payroll\_past\_xd - average\_recurring\_expenditures\_3d\_after\_payroll\_past\_xd - median\_recurring\_expenditures\_1d\_after\_payroll\_past\_xd - median\_recurring\_expenditures\_2d\_after\_payroll\_past\_xd - median\_recurring\_expenditures\_3d\_after\_payroll\_past\_xd - average\_recurring\_expenditure\_on\_paydate\_past\_xd - median\_recurring\_expenditure\_on\_paydate\_past\_xd - percentage\_income\_checking\_account\_past\_xd - percentage\_income\_savings\_account\_past\_xd - missed\_auto\_loan\_payments\_count\_past\_xd - missed\_personal\_loan\_payments\_count\_past\_xd - missed\_student\_loan\_payments\_count\_past\_xd - missed\_credit\_card\_payments\_count\_past\_xd - missed\_mortgage\_payments\_count\_past\_xd - auto\_loan\_payments\_timeliness\_past\_xd - personal\_loan\_payments\_timeliness\_past\_xd - student\_loan\_payments\_timeliness\_past\_xd - credit\_card\_payments\_timeliness\_past\_xd - mortgage\_payemnts\_timeliness\_past\_xd ## Here are some FAQs to get you started! **How do we interpret timeliness?** The timeliness Attributes have values between 0 and 1 and indicate how often and by how much the loan payments are late. 0 means all their payments were on time and higher values indicate that the payments are late more often and by many days after the expected payment date. When missed payments and late payment timeliness Attributes are both 0, it would indicate that the user likely has autopay enabled. **How can I access these new Attributes?** These Attributes will also be available through our Cashflow Analytics for Snowflake product. You can find more details about these Attributes in our [Attributes API docs](https://docs.pave.dev/attributes) and [Attributes Dictionary](https://docs.pave.dev/guides/attributes/attributes-dictionary).  Let us know at **api@pave.dev** if you have any feedback or suggestions for Attributes! [attributes](https://hs.pavefi.com/pave-blog/tag/attributes), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## Related posts [bill tracking](https://hs.pavefi.com/pave-blog/tag/bill-tracking), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [financial health](https://hs.pavefi.com/pave-blog/tag/financial-health), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Understand User Cashflow with the Attributes Endpoint](https://hs.pavefi.com/pave-blog/blog/understand-user-cashflow-with-the-attributes-endpoint) [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) Oct 26, 2022, 1:24:00 AM The Attributes endpoint provides 450+ attributes that describe a user’s cash flow and financial... [Read more](https://hs.pavefi.com/pave-blog/blog/understand-user-cashflow-with-the-attributes-endpoint) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Scoring-Dark-3.png?height=200&name=Scoring-Dark-3.png)](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [cash advance](https://hs.pavefi.com/pave-blog/tag/cash-advance), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [New Trended Attributes in the CARS Model](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) May 7, 2023, 11:53:00 PM We’ve released new trended attributes for our Cash Advance Repayment Score (CARS), which can be... [Read more](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model) [equitable finance](https://hs.pavefi.com/pave-blog/tag/equitable-finance), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [infra](https://hs.pavefi.com/pave-blog/tag/infra), [Announcements](https://hs.pavefi.com/pave-blog/tag/announcements) ## [Welcome to the pave.dev blog!](https://hs.pavefi.com/pave-blog/blog/welcome-to-the-pave-dev-blog) [Raymond Rouf](https://hs.pavefi.com/pave-blog/author/raymond-rouf) Jul 31, 2021, 9:01:00 AM Welcome to the pave.dev blog! [Read more](https://hs.pavefi.com/pave-blog/blog/welcome-to-the-pave-dev-blog) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amelia Chikota", "url" : "https://hs.pavefi.com/pave-blog/author/amelia-chikota" }, "dateModified" : "2024-10-17T21:31:43.841Z", "datePublished" : "2024-04-26T12:08:47.000Z", "headline" : "New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends", "image" : [ "https://hs.pavefi.com/hubfs/Imported_Blog_Media/Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png" ], "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```