| Image | Name | Description |
|---|---|---|
|
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. |