Article 8 › 3

The standard information shall be easily legible or clearly audible, as appropriate, and adapted to the technical constraints of the medium used for advertising and shall specify, in a clear, concise and prominent way, all of the following elements: (a) the borrowing rate, fixed or variable or both, together with particulars of any charges included in the total cost of the credit to the consumer; (b) the total amount of credit; (c) the annual percentage rate of charge; (d) where applicable, the duration of the credit agreement; (e) in the case of credit in the form of deferred payment for specific goods or services, the cash price and the amount of any advance payment; (f) where applicable, the total amount payable by the consumer and the amount of the instalments. In specific and justified cases where the medium used to communicate the standard information referred to in the first subparagraph does not allow the information to be visually displayed, points (e) and (f) of that subparagraph shall not apply.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30