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LoanOrCredit

LoanOrCredit is the FinancialProduct subtype for lending products: mortgages, auto loans, personal loans, HELOCs, student loans, revolving credit. It carries 9 direct properties covering principal, term, repayment, collateral, and loan-class flags.

Full example of schema.org/LoanOrCredit json-ld markup

The markup is verified as valid with Rich Results Test from Google.

Highlight legend:Required by GoogleRecommendedOptional
schema.org/LoanOrCredit
<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "LoanOrCredit",
  "name": "XooHome Fixed-Rate 30-Year Mortgage",
  "loanType": "Mortgage",
  "provider": {
    "@type": "BankOrCreditUnion",
    "name": "Dunmore Savings & Loan"
  },
  "amount": {
    "@type": "MonetaryAmount",
    "value": 450000,
    "currency": "USD"
  },
  "currency": "USD",
  "interestRate": 6.75,
  "annualPercentageRate": 6.875,
  "loanTerm": {
    "@type": "QuantitativeValue",
    "value": 30,
    "unitCode": "ANN",
    "unitText": "years"
  },
  "gracePeriod": "P15D",
  "requiredCollateral": "The financed property (first-lien mortgage).",
  "recourseLoan": true,
  "renegotiableLoan": false,
  "feesAndCommissionsSpecification": "Origination fee: 1.0% of principal. Appraisal: $550. No prepayment penalty."
}
</script>

Direct properties (9)

  • amount: MonetaryAmount or Number — the principal or credit limit.
  • currency: ISO 4217 code when amount is a bare Number.
  • loanTerm: QuantitativeValue expressing the repayment period (30 years, 60 months, etc.).
  • loanType: Text or URL — "Mortgage", "Auto Loan", "Personal Loan", "Line of Credit".
  • gracePeriod: Duration (ISO 8601) after the due date before a default is declared.
  • requiredCollateral: Thing or Text describing security (property, vehicle, "third-party guarantee").
  • recourseLoan: Boolean — if false, the lender can only recover via the security (typical jumbo mortgages).
  • renegotiableLoan: Boolean — whether interest terms can be renegotiated mid-term.
  • loanRepaymentForm: RepaymentSpecification describing amortisation shape.

Plus FinancialProduct's interestRate, annualPercentageRate, feesAndCommissionsSpecification, and Service's provider, areaServed.

Minimal valid version

The smallest markup that still produces a valid LoanOrCredit entity. Use it as the floor. Reach for the advanced example above when you want search engines and AI agents to understand more about your content.

schema.org/LoanOrCredit (minimal)
<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "LoanOrCredit",
  "name": "XooHome 30-Year Mortgage",
  "loanType": "Mortgage",
  "amount": { "@type": "MonetaryAmount", "value": 450000, "currency": "USD" },
  "annualPercentageRate": 6.875
}
</script>

Google rich results this unlocks

Markup matching this example makes your page eligible for the following Google Search rich results. The primary target drives the required / recommended property classification in the advanced code block above.

  • No dedicated rich result (feeds financial knowledge panels + AI citations)
    Google docs

Common LoanOrCredit mistakes

Mistakes that pass validation but silently fail to earn rich results or mislead consumers walking the graph. Avoid these and your markup will be ahead of most sites in the wild.

  1. 01

    loanTerm as a bare number

    Wrong
    "loanTerm": 30
    Right
    QuantitativeValue with value + unitCode + unitText

    30 could be months, years, or days; the QuantitativeValue wrapper carries the unit.

  2. 02

    gracePeriod as free text

    Wrong
    "gracePeriod": "15 days"
    Right
    "gracePeriod": "P15D"

    Duration is ISO 8601 (PnD / PnM / PnY).

  3. 03

    amount without currency context

    Wrong
    "amount": 450000
    Right
    MonetaryAmount with value and currency, or pair amount with currency: "USD"

    A bare principal figure can't be compared internationally; consumers will reject the node.

Schema properties in this example

LoanOrCreditFinancialProductloanTypeproviderBankOrCreditUnionamountMonetaryAmountcurrencyinterestRateannualPercentageRateloanTermQuantitativeValueunitCodeunitTextgracePeriodrequiredCollateralrecourseLoanrenegotiableLoanfeesAndCommissionsSpecification

Also mentioned in 1 other example

LoanOrCredit also appears in CreditCard. See the full LoanOrCredit schema page for every reference.

About the example data

XooHome Fixed-Rate 30-Year Mortgage — $450,000 principal, 30-year term, 6.875% APR, secured by the property, 15-day grace period, full-recourse.

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