Fund your lifestyle of choice with Lifestalia Digital Lending

Welcome to a digital platform that allows borrowers seamless access to loan without collateral while providing lenders the opportunity to earn interest through decentralized lending.

Features

What makes us different?

Our digital lending platform is built on a model that fosters a community where both borrowers and lenders can build wealth by leveraging on cutting edge technologies.

Borrowing made easy

Borrowing money has never been more fun as our STALOAN and LENDA platform grants users access to non-collateralized loans within minutes.

Lending made easy

Our flagship LENDA platform allows users to give out loans to our pool of A-rated users in a decentralized manner where the users can set their preferred interest rates.

Refer and Earn

Build wealth by earning cash back forever when your referee takes and successfully pays back their loans on the Lifestalia platform.

Let's get started!

01

Download the App

Get the Lifestalia App on Google Play Store for Android or Apple store for iOS

02

Sign up easily

Provide some information about yourself so we can swiftly create your Lifestalia account

03

Start taking and giving loans

You are all set! Take your first loan and pay back successfully to become an A rated user.

Who are we for?

We are for a community of borrowers and lenders with a proven history of excellent credit rating.

If you need to get a loan

You are all set! Use the Lifestalia app to take your first loan on either STALOAN or LENDA

If you want to give out a loan

You are all set! Use the Lifestalia app to give out your first loan on our flagship LENDA platform.

Frequently Asked Questions

Your most frequently asked questions, answered

What is Lifestalia?
Lifestalia is a financial lending platform whose objective is to serve communities that are underserved by conventional financial institutions. We offer loans to people and small enterprises who may need access to standard bank services. The platform is entirely digital and provides users with a convenient and user-friendly experience when taking or giving loan.
What is Staloan?
Staloan is the Lifestalia lending system where first time users take their first loan and build up an excellent credit history that allows them to take loan on the flagship LENDA platform.
What is Lenda?
Lenda is a decentralized lending system on Lifestalia where users with excess funds can give out these funds at a curbed interest rate.
What is the difference between taking loan on Staloan or Lenda?
First time users are only allowed to take loans on Staloan where they can build their A ratings to qualify them to access loans on Lenda. A major difference is that the amount limit of loan available on Staloan is capped while those on Lenda is higher depending on each user's eligibility.
How does the Lifestalia A, B and C Lifestalia rating work?
A new user will become A rated when they take their first loan and payback successfully. An A user will be demoted to B when any of their referees defaults on their loan. Lastly, a user will become a C user when they default on their loan.
What are the benefits of A users:
An A user is granted the below privileges:
  • An A-rated user has the exclusive right to refer other users to take loan on lifestalia
  • An A-rated user earns accumulated earnings via cashback from interest paid on successful loans by their referee
  • An A-rated user with a history of excellent credit record will be upgraded to access loan on the flagship LENDA platform that grants higher loan limit to Lifestalia users
  • An A rated user can be upgraded from Bronze to Silver and then Gold tier which grants the user access to low interest rate, unlimited referee and increased access to their accumulated earnings.
How can a ‘B’ or ‘C’ user regain their A-rated status?
A B-rated user will automatically become A-rated when their referee pays up the defaulted loan while a C-rated user will become B-rated after paying up their defaulted loan and subsequently become A-rated when they take a new loan pay back successfully.
What is the maximum interest rate on a loan in LENDA?
The interest rate is capped to a value that is informed by the prevailing market interest rate. Kindly go under the LENDA section of the app to see the current ,maximum rate.
How does the Lifestalia A-tier system work?
Every lifestalia A-rated user falls within the categories of Bronze, Silver and Gold. To attain the status of Gold tier, a user and all their referees would have to maintain a perfect credit record for a duration of at least 6months. Benefits of attaining a Gold status includes access to loan at lower interest rate, higher loan limit, ability to refer a higher number of users per month and an unlimited access to all available loans on Lenda.
How are Lender's funds protected under Lenda?
The Lender's funds is 100% collateralized by Lifestalia. All lenders will redeem their fund plus interest on maturity date.

Still have questions?

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