> For the complete documentation index, see [llms.txt](https://docs.bsc.lista.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bsc.lista.org/for-developer/credit-loans.md).

# Credit Loans

## Overview

`CreditBroker` is a specialized fixed-term, fixed-rate lending broker built on top of the LendingBroker pattern and extended with credit-limit gating.

It enables Lista DAO to offer loans where user eligibility and borrow capacity come from off-chain credit scoring, represented on-chain via Merkle roots.

Unlike standard collateral-based Moolah markets, Credit Loans use `CreditToken` as collateral representation:

* `CreditToken` is non-transferable.
* `1 CreditToken = 1 unit of credit limit = 1 USD borrowing capacity`.

## Contents

* [Loan Lifecycle](/for-developer/credit-loans/loan-lifecycle.md)
* [Bad Debt Handling](/for-developer/credit-loans/bad-debt-handling.md)
* [Smart Contract](/for-developer/credit-loans/smart-contract.md)


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.bsc.lista.org/for-developer/credit-loans.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.