Le crédit regroupe les activités liées au prêt d'argent, il est souvent porteur d'un intérêt dont est redevable l'emprunteur (ou débiteur) à son créancier, lié à la durée de l'emprunt. Le Crédit est un contrat par lequel une personne – l'emprunteur (détenteur) – remet un objet, du matériel, ou des matériaux, des marchandises, ou une somme d'argent, à charge de restitution au terme qu'elles conviennent.
Le Rachat de Crédit - appellé aussi consolidation, restructuration, regroupement de crédits - est la substitution d' un ou plusieurs crédits déjà existants (hors crédit immobiliers) par un seul et unique crédit, à un taux moins élevé. amortissable sur une durée unique en adéquation avec les revenus de l’emprunteur.
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