»kreditaftale« en aftale, i henhold til hvilken en kreditgiver yder eller giver tilsagn om at yde en forbruger kredit, der falder ind under anvendelsesområdet for artikel 3 i form af udskudt betaling, lån eller anden tilsvarende form for finansiel facilitet
‘Credit agreement’ means an agreement whereby a creditor grants or promises to grant, to a consumer, a credit falling within the scope of Article 3 in the form of a deferred payment, loan or other similar financial accommodation.