linked credit agreement

Defined in Article 3, Consumer Credit Directive

Definitions over time (3)

1. 26/07/2019 – today applies on 12/11/2026 Article 3, Consumer Credit Directive Scope: Whole act

   For the purposes of this Directive, the following definitions shall apply:

   ‘linked credit agreement’ means a credit agreement where the credit in question serves exclusively to finance an agreement for the supply of specific goods or the provision of a specific service, and those two agreements form, from an objective point of view, a commercial unit; a commercial unit shall be deemed to exist where the supplier or service provider himself finances the credit for the consumer or, if it is financed by a third party, where the creditor uses the services of the supplier or service provider in connection with the conclusion or preparation of the credit agreement, or where the specific goods or the provision of a specific service are explicitly specified in the credit agreement.

2. 01/01/2018 – 26/07/2019 Article 3, Consumer Credit Directive Scope: Whole act

   For the purposes of this Directive, the following definitions shall apply:

   ‘linked credit agreement’ means a credit agreement where

3. 21/06/2008 – 01/01/2018 Article 3, Consumer Credit Directive Scope: Whole act

   For the purposes of this Directive, the following definitions shall apply:

   ‘linked credit agreement’ means a credit agreement where the credit in question serves exclusively to finance an agreement for the supply of specific goods or the provision of a specific service, and those two agreements form, from an objective point of view, a commercial unit; a commercial unit shall be deemed to exist where the supplier or service provider himself finances the credit for the consumer or, if it is financed by a third party, where the creditor uses the services of the supplier or service provider in connection with the conclusion or preparation of the credit agreement, or where the specific goods or the provision of a specific service are explicitly specified in the credit agreement.

Used in (12 places in 8 provisions on 12/11/2026)

Consumer Credit Directive (12 in 8)

Recital 10² · Recital 36 · Recital 37³ · Article 3 · Article 5 · Article 10 · Article 14 · Article 15²