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JARGON BUSTER

Credit terms explained in brief, plain English. If you need a more detailed explanation, or can't find a term listed, just send us a message.

AccountAdditional CardholderAdministration FeeAdverse CreditAffinity CardAgreementAnnual Equivalent Rate (AER)Annual Percentage Rate (APR)AnnuityAnnuity MortgageApproved IntermediaryArrangementArrearsAssetAssignment Of DebtAttachment Of EarningsAutomated Teller Machine (ATM)Available CreditBalanceBalance TransferBalloon PaymentBankBank AccountBank Identifier Code (BIC)BankruptcyBenefit In KindBreach Of ContractBridging LoanBrokerBudgetBuilding SocietyCalendar MonthCapitalCash AdvanceCash BackCashcardCatalogue CreditCaveat EmptorCentral Bank Of IrelandCentral Bank Reform Act (2010)Charge CardCitizens Information BoardCollateralCommissionCompound InterestConsolidation LoanConsumer Credit Act (1995)Consumer Protection Act (2007)Consumer Protection Code (CPC)ContractCooling-Off PeriodCost Of CreditCreditCredit AgreementCredit CardCredit IntermediariesCredit LimitCredit RatingCredit Reference AgencyCredit ReportCredit ScoreCredit UnionCreditorCritical Illness InsuranceData ProtectionDebitDebit CardDebtDebt Collection AgenciesDebt Relief Notice (DRN)Debt Settlement Arrangements (DSA)DebtorDeedsDefaultDefined Contribution Pension SchemeDeflationDelinquentDependantDepositDeposit AccountDeposit RateDirect DebitDiscounted Rate MortgageDisposable IncomeElectronic Funds Transfer (EFT)Enforceability Of DebtsEquityExamination OrderExecution By SheriffExecutorExit ChargeExpenditureExperianExtended Credit TakerFinal DemandFinancial AdvisorFinancial Services OmbudsmanFinancial StatementFixed Interest BondFixed Rate MortgageFull PayerGarnishee OrderGuarantorHire Purchase AgreementIncomeIncome TaxIndex-LinkingInflationInsolventInstalmentInstalment OrderInsurance CoverInsurance PolicyInterest RateInterest-Only MortgageIntermediaryInternational Bank Account Number (IBAN)InvestmentIrish Credit Bureau (ICB)Joint AccountJoint And Several LiabilityJudgmentJudgment MortgageLapseLaser CardLate Payment FeeLeaseLetter Of ClosureLiabilityLoadingLoan AgreementLoan-To-Value (LTV)Lodgement SlipLump SumMandateMastercardMaturityMaximum WithdrawalMinimum PaymentMoney Advice And Budgeting Service (MABS)MoneylenderMortgageMortgage AdvisorMortgage Interest Supplement (MIS)Mortgage StatementMutual OrganisationNational Consumer Agency (NCA)Negative EquityNoticeOffice Of The Comptroller Of The Currency (OCC)Offset MortgageOrderOver Limit FeeOverdraftOverdueP45P60PawnbrokerPay As You Earn (PAYE)Pay Related Social Insurance (PRSI)Payday LoanPenalty-Free TransferPensionPersonal Identification Number (PIN)Personal Insolvency Arrangement (PIA)Personal Insolvency Practitioner (PIP)Personal LoanPersonal Public Service Number (PPS Number)Personal Retirement Savings Account (PRSA)PremiumQualifying DebtReceiptRedemptionRefer To DrawerRemortgageRepaymentRepayment MortgageRetirement MortgageReturnRevenue CommissionerRevolving CreditSavingsSavings AccountSchedule Of PaymentsSecured LoanSheriffSingle Euro Payments Area (SEPA)Social Insurance Fund (SIF)Split Rate MortgageStamp Duty (Cards)Stamp Duty (Property)Standing OrderStatementStore CardSubprime LenderSummonsSuperannuationSurchargeTaxTerm DepositTerms And ConditionsTied AgentToken PaymentTracker BondTracker MortgageTransactionUnauthorised OverdraftUnsecured LoanValue Added Tax (VAT)Variable Rate Mortgage (SVR)Variation OrderVisaWaiverWithdraw

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