What is a SECCI form?

SECCI (Standard European Consumer Credit Information) is the pre-contractual disclosure form that all EU lenders must give consumers before a credit agreement is signed, under Directive 2008/48/EC and its 2026 successor Directive (EU) 2023/2225. It standardises how the credit amount, borrowing rate, APRC, total cost and repayment terms are presented so consumers can compare offers across the EU.

Can I use SECCI.pro for car finance and overdrafts?

Yes. Dedicated flows support car finance / PCP with balloon (residual value) payments, and open-ended credit / overdraft facilities using the directive's 3-month drawn-in-full assumption.

SECCI Generator — EU Consumer Credit APRC / TAEG Calculator

Free, professional generator for the Standard European Consumer Credit Information (SECCI) form, with an official APRC / TAEG calculator that is fully compliant with EU Directive 2008/48/EC (Annex I) and the new Directive (EU) 2023/2225 (Annex III, applies from 20 November 2026).

What is SECCI?

SECCI (Standard European Consumer Credit Information) is the pre-contractual disclosure form that every lender in the European Union must give a consumer before signing a credit agreement. It standardises how the credit amount, borrowing rate, APRC, total cost of credit, number and amount of instalments and consumer rights are presented, so that offers can be compared across the EU.

What is APRC (TAEG) and how is it calculated?

APRC (Annual Percentage Rate of Charge, called TAEG in French, Italian and Spanish) is the total cost of credit expressed as an annual percentage of the credit amount. It is the value of X that solves the equation in Annex I of Directive 2008/48/EC and Annex III of Directive (EU) 2023/2225:

Σ Ck · (1 + X)^(-tk) = Σ Dl · (1 + X)^(-sl)

where Ck is drawdown k at time tk and Dl is repayment or charge l at time sl, both expressed in years from the first drawdown. All mandatory charges known to the creditor (arrangement fee, monthly account fee, mandatory insurance) are included on the right-hand side.

Supported credit products

Fixed-sum consumer credit (personal loans) — see the standard SECCI example.
Car finance / PCP with balloon (residual value) payments — see the car finance SECCI example.
Overdrafts and open-ended credit, using the directive's drawn-in-full 3-month assumption — see the overdraft SECCI example.

For AI agents and developers

SECCI.pro exposes a public Model Context Protocol (MCP) server at https://mcp.secci.pro with tools compute_aprc, compute_overdraft_aprc and build_secci_url. The manifest is at /.well-known/mcp.json and an LLM-friendly summary at /llms.txt. See the developer API documentation for HTTP usage.