If you want to make a major purchase, for example want to buy a new car or build your own home, then you need sufficient financial resources. But not everyone has such large sums or can suddenly pay large sums. Therefore, you need a loan, which you can then gradually pay off in fixed
Households that try to maintain a rate of consumption are sometimes forced to use consumer credit. This is mainly due to the lack of purchasing power, variations in income, and lack of savings. Therefore, one can say that the access to a consumer credit makes it possible to stabilize consumption and to support the budget.