Managing loan types

Create, edit, archive, and restore the named loan types your credit union offers, each bound to one of four security bases.

Loan types are the named lending categories your staff pick when starting a new application, each bound to one of four built-in security bases.

A loan type pairs a name your team recognizes, such as “Civil Servant Auto,” with a fixed security basis that the rate engine, risk engine, forms, and PDF templates switch on. The UI labels this field “Security basis”; internally it is the loan archetype enum, and this guide uses the two words interchangeably. Each basis is a fixed engine path, so you can add any number of named types without code changes. As an Administrator or Credit Manager you create, edit, archive, and restore these types.

Required role: Administrator or Credit Manager (loans.types.manage capability). Viewing the list requires loans.types.read.

To manage loan types, navigate to /{tenantSlug}/admin/loan-types. For example, https://loan.compuzign.com/your-slug/admin/loan-types.

This is the admin page for configuring loan types. For an explanation of what each type means for borrowers, including the form sections and collateral requirements of each one, see the borrower-facing Loan types guide.

The four built-in security bases

Every loan type binds to one of four security bases (the underlying archetype enum is shown in the first column). Each workspace is seeded with one default loan type per basis at onboarding.

Security basis	Archetype enum	Seeded code	Seeded name	Used for
Unsecured	UNSECURED	UNS	Unsecured	Personal loans with no collateral
Cash secured	CASH_SECURED	CASH	Cash secured	Loans secured against cash shares or savings
Motor vehicle	AUTO	AUTO	Motor vehicle	Loans secured by a motor vehicle
Real estate	MORTGAGE	MORT	Real estate	Loans secured by real property

The security basis determines which rate engine tiers apply, which risk calculations run, which form sections the Credit Officer completes, and which PDF agreement template is used. You can create as many named loan types as you like on top of these four bases.

What a loan type contains

Field	Description
Code	A short, unique identifier such as CSA or DIASPORA. Two to twenty characters, uppercase letters, numbers, and dashes only
Name	The display name staff see when selecting a loan type. Two to eighty characters
Security basis	The behavioral family this type belongs to, picked by label: Unsecured, Cash secured, Motor vehicle (AUTO), or Real estate (MORTGAGE). Internally the underlying enum is the archetype. Set at creation and never editable afterward
Sort order	A number from 0 to 9999 controlling where the type appears in lists. Lower numbers appear first
Description	Optional note up to 500 characters

The security basis is set when you create a loan type and cannot be changed afterward. Changing it on a type already in use would mis-route the rate engine, risk engine, forms, and PDF templates. If you need a different basis, create a new loan type instead.

Creating a loan type

1. Go to the loan types page

   Navigate to /{tenantSlug}/admin/loan-types. The header shows the total count and active count (for example, “8 loan types · 6 active”), and All, Active, and Archived filter tabs each show their own count. The Archived view is reached via the Archived tab. The toolbar also has a code-or-name search box and an All security bases filter (one option per basis) to narrow the list.

2. Click New loan type

   The new loan type form opens.

3. Enter a code and name

   The code must be unique within your workspace and can contain only uppercase letters, numbers, and dashes. The name is what staff see when they select a type.

4. Choose the security basis

   Pick Unsecured, Cash secured, Motor vehicle (the AUTO archetype), or Real estate (the MORTGAGE archetype). Choose carefully. This cannot be changed once the type is created.

5. Set the sort order and optional description

   Enter a sort order from 0 to 9999, then an optional description.

6. Click Create loan type

   The loan type is created and records a loan_type.created audit event.

Editing a loan type

To update an existing loan type:

1. Go to /{tenantSlug}/admin/loan-types.
2. Open the loan type and click Edit.
3. Update the code, name, sort order, or description, then click Save changes.

Editing records a loan_type.updated audit event. The security basis is shown read-only and cannot be changed. If you also hold a products-catalog capability (loans.products.read or loans.products.manage), the edit page lists the loan products tagged to this type, each with its application count and rate source. If you hold loans.products.manage, you can create and archive products for this type right there, so the edit page doubles as where you manage that type’s products.

Archiving and restoring a loan type

When your credit union stops offering a named type, archive it rather than deleting it. Archiving sets the type inactive and hides it from staff without affecting any loans that already used it.

To archive a loan type:

1. Go to /{tenantSlug}/admin/loan-types.
2. Find the type and click Archive.

Archiving records a loan_type.archived audit event.

To restore an archived loan type:

1. Go to /{tenantSlug}/admin/loan-types and open the archived view.
2. Find the type and click Restore.

Restoring records a loan_type.restored audit event and makes the type selectable again.

What happens to loans and products tied to an archived type?

Existing loan applications and the products tagged to a type are not affected when you archive it. Archiving only stops staff from selecting that type for new work. The type is never hard-deleted, so its history stays intact and the audit trail remains complete.

Related pages

Loan types (borrower view)

What each of the four loan types means, including form sections and collateral requirements.

Loan products

Create the specific products that staff offer under each loan type.