This page brings together the instructions and resources you need to add a loan, choose the right type, correct modelling issues and resolve the most common problems so your liabilities and net ownership are accurate.
Start — how do I add a loan?
Question: should I sync or add manually?
Sync (Powens / Plaid): convenient when your bank exposes the loan in the webview.
Manual addition: best if the loan is missing from the bank webview, you hit an authentication/MFA loop, or the loan is complex (tiered/palier, deferred, renegotiated, in-fine).
Quick steps
In the app: Add assets → Loans → choose Automatic sync or Manual entry.
Fill the required fields: loan amount, monthly payment (exclude insurance if requested), interest rate, start date, term (months).
Link the loan to a property when relevant (this enables net-ownership calculation).
Important — loans extracted via a bank connection (Powens, Plaid…)
When a loan is extracted from your bank, Finary qualifies that loan from the data received. Two practical consequences you must know:
Extraction can be incomplete. Even when the bank returns a loan, the outstanding principal may be wrong—this is common for tiered loans, renegotiated loans, deferred loans and cases with early repayments.
Loans are not continuously re-synced. After qualification, Finary relies on its own modelling (the same modelling used for manually added loans). Values are recalculated by our model and updated monthly — we don’t keep overwriting the loan with raw bank values.
What to do: if the principal, monthly payment or rate is wrong after sync, edit the loan in Finary (capital, dates, rate, paliers). The model will update the outstanding capital going forward.
Troubleshooting — short answers to common problems
My loan is missing after I connected my bank.
Go to Connected accounts → Edit the bank connection and check the Powens webview: make sure the loan is checked. If the loan is not listed or you face an MFA loop, add it manually. See: I linked an institution via Powens but some accounts are missing (link below).
The displayed balance is €0.00 or incorrect.
Usually that means the extraction was incomplete—edit the loan in Finary to correct the principal/monthly payment.
“Invalid monthly payment” error.
Check the number format (decimal separator, cents). If insurance is part of the bank line, enter insurance separately if requested.
What to provide to support
If you are having difficulties adding your loan, please reach out and send us the expected outstanding principal and a current amortization table.