Lorica works with unsecured debt — credit cards, student loans, and personal loans.

Personal loan coverage varies by lender, so some personal loans can be serviced and some can't. When you connect your debts, Lorica shows you which of your accounts it can pay and which it can't, before you set anything up.

These stay with you, and you keep paying them the way you always have. They'll show up in your Debt Health view so you can see your full picture, marked as debts you'll keep paying yourself.

Secured debts work differently. Missing one can cost you the thing it's attached to — your house, your car. Lorica stays out of that.

Unsecured balances are also where high interest rates do the most damage, so that's where automating your payoff makes the biggest difference.

Sometimes an account you expected doesn't appear, or appears but can't be serviced. That can happen when an account is closed, in collections, or when the lender doesn't support payments through our network. See "Adding your debts," or message us and we'll take a look with you.