Financial Products

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Cards Table
64 total
A

Agricultural Asset Finance

Loans or leases for equipment and productive assets for farmers.
A

Agricultural Input Loan

Seasonal loans for seeds, fertilizer, and inputs, often aligned to harvest cycles.
A

Auto Loan - Non-Prime

Higher-rate auto loans for subprime borrowers; may include GPS/kill switches etc.
A

Auto Loan - Prime

Secured loan to finance vehicle purchase for low-risk borrowers.
A

Auto Title Loan

Short-term loan secured by the borrower’s vehicle title, typically with very high APRs and repossession risk.
B

Borrow-Now-Payday-Advance

Short-term employer or app-based advance on upcoming salary; may charge flat or percentage fees.
B

Buy Now Pay Later - Long-Term

BNPL-style installment loans over 6–36 months; may include interest and credit checks.
B

Buy Now Pay Later - Pay in 4

Short-term, interest-free installment plan split into ~4 payments at point of sale; funded by merchant fees.
C

Charge Card

Pay-in-full card with no preset spending limit; some variants include late fee or revolving features.
C

Co-Signed Loan

Loan approved based on additional guarantor; helps thin-file borrowers access credit.
C

Community Development Loan

Loans targeted at underserved communities via CDFIs or mission-driven lenders.
C

Credit Builder Loan

Small loan where funds are locked in savings until repaid, designed to build credit history.
D

Debt Consolidation Loan

Installment loan used to refinance multiple existing debts into a single payment.
D

Digital Nano Loan

Fully digital, instant, mobile-based micro-loan with tiny limits and short tenors.
D

Digital SME Working Capital Loan

Data-driven short-term SME loans underwritten using payment, POS, or platform data.
E

Earned Wage Access (Fee-Based)

Direct-to-consumer or app-based earned wage access charging per-transaction or subscription fees.
E

Earned Wage Access (No-Fee Model)

Service allowing workers to access earned wages before payday with low/no mandatory fees; often employer-sponsored.
E

Education Loan - Government Student Loan

Regulated student loan schemes backed or subsidized by government.
E

Education Loan - Private Student Loan

Private education loans with risk-based pricing and limited protections.
G

Group-Based Savings-Linked Loan

Credit unlocked based on participation and savings history in ROSCAs/ASCAs or savings groups.
G

Guarantor Loan

Specialized product where third-party guarantor is central to underwriting, common in UK and other markets.
H

Home Equity Line of Credit (HELOC)

Revolving line secured by home equity with flexible draws and variable rates.
H

Home Equity Loan

Closed-end loan secured by home equity; fixed amount and schedule.
H

Household Appliance Financing

Installment or BNPL credit at point of sale for durable goods like fridges or TVs.
I

Income Share Agreement

Education financing where repayment is a share of future income for a set period.
I

Installment Payday Loan

High-cost loan repaid over multiple installments rather than a single paycheck; often targeted at subprime borrowers.
I

Invoice Finance - Discounting

Borrower uses invoices as collateral to obtain a short-term advance while retaining control of collections.
I

Invoice Finance - Factoring

Lender or factor buys invoices at discount to provide working capital; credit on receivables.
I

Islamic Ijara (Leasing)

Shariah-compliant lease-to-own or operating lease used instead of conventional loans.
I

Islamic Murabaha Financing

Cost-plus sale structure used as Shariah-compliant alternative to interest-bearing loans.
I

Islamic Qard Hasan

Benevolent, interest-free loan product under Islamic finance principles.
L

Line of Credit - Personal

Revolving credit line with flexible draws, separate from cards; often bank or fintech-issued.
L

Line of Credit - SME

Working capital credit line for small businesses with flexible utilization.
M

Merchant Cash Advance

Advance to merchants repaid via percentage of card sales or daily debits; high implied cost.
M

Microfinance Group Loan

Joint-liability loan to small groups, common in inclusive finance for low-income borrowers.
M

Microfinance Individual Loan

Small-ticket working capital or consumption loan to low-income individuals via MFIs.
M

Mortgage - Affordable / Social Housing

Subsidized or government-supported mortgages targeting low-income households.
M

Mortgage - Non-Prime

Mortgages to higher-risk borrowers with alternative documentation or credit issues.
M

Mortgage - Prime

Long-term secured housing loan for borrowers with strong credit; highly regulated.
N

Near-Prime Personal Loan

Higher-priced personal loans aimed at near-prime borrowers; risk-based pricing.
N

NSF Fee (Non-Sufficient Funds)

Penalty fee product for declined payments/insufficient funds; increasingly regulated or banned.
O

Overdraft (Traditional Authorized)

Bank-approved negative balance facility with interest or fees; linked to current account.
O

Overdraft (Unarranged / Penalty Fee)

Unapproved overdraft usage triggering fixed or tiered penalty fees; often reg-reform target.
P

Pawn Loan

Collateral-based loan from a pawnbroker using personal items as security; small amounts and short terms.
P

Payday Loan

Short-term, small-dollar loan typically due on the borrower's next payday; often high cost and heavily regulated.
P

Peer-to-Peer Consumer Loan

Marketplace platform matching retail investors to consumer borrowers.
P

Peer-to-Peer SME Loan

Marketplace loans from individuals/institutions to small businesses.
P

Platform Seller Loan

Loans to marketplace or e-commerce sellers based on sales history.
P

Point-of-Sale Installment Loan

Closed-end installment loan offered at checkout for specific purchases (e.g., electronics, travel).
P

Prime Unsecured Personal Loan

Term loan to consumers with strong credit profiles, often for consolidation or big-ticket spend.
R

Refund Anticipation Loan

Short-term advance against expected tax refund; fees can make APRs high.
R

Rent Reporting / Rent-Linked Credit

Products that convert rent payments into tradeline data or bundled credit facilities.
R

Rent-to-Own

Consumer acquires household goods via periodic payments with the option to own; effective cost often very high.
R

Revenue-Based Financing

Capital advanced to SMEs or startups with repayments as share of future revenue.
S

Salary-Linked Loan

Loan repaid via payroll deduction; lower risk due to employer integration.
S

Secured Credit Card

Credit card backed by a cash deposit to help borrowers build or rebuild credit history.
S

Secured Personal Loan

Personal loan secured against assets (savings, vehicles, property) to reduce interest rate.
S

Short-Term Employer Emergency Loan

Low-cost loans or advances offered via employers for emergency expenses.
S

Store Card / Private Label Card

Retailer-branded card usable at limited merchants; may offer discounts but high APR.
S

Subprime Credit Card

Revolving credit card targeted at thin-file or low-score borrowers; often high APR and fees.
S

Subprime Personal Loan

Unsecured installment loans to higher-risk consumers; high APR, specialized underwriting.
S

Supply Chain Finance - Payables

Buyer-led program where suppliers receive early payment at discount on approved invoices.
S

Supply Chain Finance - Receivables

Programs where sellers finance receivables to improve liquidity.
T

Telco Handset Financing

Device financing bundled with mobile service; may lock customers into contracts.