- Help: personal loan allows you to pay contingent Urgent expenses (car repairs after an accident, etc.). But consumer credit has disadvantages that should be considered. So VD Lagutin notes that sometimes misleading credit accounts create wealth and this leads to excessive costs and then to measure the accumulation of debt often have difficulties on monthly payments. Purchases on credit more expensive than in cash. This is because Buying goods on credit the price of the product is often higher than the payment cash, and it should add interest rate [32]. Thus, consumer credit accelerates the implementation of consumer goods and public services, increased purchasing power of the population increases its standard of living. Leasing loan - a relationship between separate legal entities with over the lease of labor and finance, purchasing movable and immovable property for a specified period. Leasing is form of a property loan. The object of leasing any personal property (Vehicles and equipment) and real estate (buildings) property relating to fixed assets and are subject to sale. There are operational and financial leasing: - Operational leasing - ASSIGNMENT this property for a term less full amortization period. It is divided into short