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Loans & credit

Borrow with confidence—clear terms, real underwriting, and strong support

Whether you’re consolidating debt, buying a car, purchasing a home, or funding your business, the right credit product should match your timeline and cash flow. Lifax Corp offers lending options with transparent steps, realistic documentation requirements, and security-first verification.

Rates shown on this page are illustrative ranges only and may change. Your approved APR depends on credit history, income, collateral (if any), and product terms. For fees and disclosures, see the Fee Schedule and product-specific agreements.

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Loan options

Use these products as a starting point. Your final offer (if approved) will include the full APR, term, payment schedule, and any applicable collateral requirements.

Personal loans

Fixed-rate installment loans for consolidation, emergencies, or planned expenses.

Illustrative APR: 9.99%–24.99% · Term: 24–84 months

Auto loans

New or used vehicle financing with clear payoff schedules and title handling.

Illustrative APR: 6.49%–18.99% · Term: 36–84 months

Mortgages

Purchase or refinance options with documentation-based underwriting and disclosures.

Illustrative APR: 6.00%–8.75% · Term: 15–30 years

Home equity

Access equity for renovations or major expenses (HELOC/loan options may vary).

Illustrative APR: 7.25%–11.50% · Term: 5–30 years

Student & education

Education financing may be available through programs or partners depending on region.

Illustrative APR: 6.00%–14.00% · Term: 5–20 years

Business lending

Working capital, equipment financing, or term loans for qualified businesses.

Illustrative APR: 8.00%–26.00% · Term: 12–120 months

Loan payment calculator

Estimates only. Taxes, insurance, and fees are not included.

Need help choosing terms?

Tip: For mortgages, your total monthly payment may include taxes and insurance (PITI). This tool estimates principal and interest only.

Estimated breakdown

Monthly payment $0.00
Total interest $0.00
Total paid $0.00

Results are estimates. Your final payment depends on the approved rate, term, fees, and disbursement timing.

How lending works (realistically)

1

Apply

Share basic details about the amount, purpose, and term you want.

2

Verify

We verify identity and review income, credit, and (if applicable) collateral.

3

Review offer

If approved, you review the APR, payment schedule, fees, and disclosures before accepting.

4

Funding

Funds are disbursed to your account or directly to a seller/partner depending on the product.

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Loans FAQ

Some rate checks may be soft inquiries; a formal application typically involves a hard credit pull. We disclose what applies before you submit.
Funding depends on the product and verification steps. Some personal loans fund quickly after approval; mortgages typically take longer due to appraisal and closing requirements.
Credit profile, income stability, debt-to-income ratio, collateral value (if any), and loan term can all affect the APR.
We show disclosures during the application flow and publish high-level info in our Fee Schedule.

Ready for next steps?

Estimate your payment, then talk to us about the right product and required documents.

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