The AIFUL Group runs a guarantee business with financial institutions in unsecured loans for individuals and small business loans for companies and small business operators. Its two brands for this business are the AIFUL and LIFECARD brands.

AIFUL Group has established a business model in partnership with financial institutions in the credit guarantee business. This business model integrates brand power and reliability cultivated in the region in which each financial institution is located, and the credit technologies that the Group possesses in the retail sector.

In the credit guarantee business, the Group has high levels of safety, growth, and efficiency. AIFUL Group is leveraging the credit expertise it has cultivated over the years to expand its guarantee alliance partners as one of its core businesses.

As of the end of December 2023, AIFUL Group has established partnerships with 154 financial institutions (108 banks for the individuals and 111 banks for companies and business operators) for the AIFUL brand, and 158 (158 banks for the individuals and 39 banks for companies and business operators) for the LIFECARD brand.