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Widespread use and popularity of consumer loans due to the simplicity of their receipt, which is usually associated with a small amount of the loan and its relatively short duration. That is why the number of visit such loans does not decrease even during the financial crisis, and many banks make retail consumer lending the main focus of their own work. However, not all borrowers take full advantage of consumer loans, so it is logical to consider the issue in more detail. Consumer loan is usually understood as a loan that is issued mainly to individuals for the purchase of any consumer goods or services. By and large, a kind of such loans are even mortgage or car loans, however, it is considered to be their separate types of lending...

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