Standard Consumer Credit SECCI Example

This page shows a fully-rendered example of a SECCI (Standard European Consumer Credit Information) form for a fixed-sum personal loan under EU Directive 2008/48/EC and Directive (EU) 2023/2225.

The Annual Percentage Rate of Charge (APRC / TAEG) is computed using the mathematical formula in Annex I / Annex III: Σ Ck · (1 + X)^(-tk) = Σ Dl · (1 + X)^(-sl), with all mandatory charges (arrangement fee, monthly account fee, mandatory insurance) included on the right-hand side.

Try the interactive SECCI generator, or see the car finance and overdraft variants.