The consumer credit , granted by Bank S or loan societies credit specialized working with salesmen of goods, is used to finance the purchases of goods and services by the private individuals, in particular the large expenditure and the durable goods (Automobile, equipment of the Maison).

In the modern societies of tertiary type, these tools at the disposal of the households are very useful to support the Nation's economy, therefore employment.

• the principal forms are

• the affected Prêt (with a given expenditure),
• the Prêt personnel nonrelated to a precise expenditure,
• the personal Credit line (authorization of flow of the current Compte banking in some limiting)
• the personal Crédit révolving (revolving credit used by “pullings”), often associated with the use of a Credit card.

• One can also assimilate

• to it the Leasing
• the Location-vente

The agreement of a loan to consumption is related to the Capacité of refunding (monthly payments/returned stable of the household)

Bonds

• Article of Finance & Strategies treating of the new European directive on the consumer credit