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the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.

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If you have good credit, you can secure lower interest rates.

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the action or process of paying someone or something or of being paid.

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Did you receive payment for your work?

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a thing that is borrowed, especially a sum of money that is expected to be paid back with interest.

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Don't take out too many loans, make sure you pay them back!

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a legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt.

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"I put down a hundred thousand in cash and took out a mortgage for the rest"

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a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit.

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You shouldn't get too many credit cards, that's bad!

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a yearly percentage that represents the total cost of borrowing money, including the interest rate plus any additional fees, such as origination or closing costs.

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The new car loan had a surprisingly high APR, making the monthly payments significantly more expensive than expected

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an initial payment made when something is bought on credit.

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There's a $50 down payment on the senior trip.

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a cost, such as an interest rate or exchange rate, that remains the same for the entire duration of a loan, contract, or agreement.

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For stability, she decided to take out a 30-year fixed-rate mortgage on her home

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a loan or credit obligation that is backed by specific collateral, which is an asset or property, such as a house or car, that the borrower pledges to the lender.

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After defaulting on the car loan, the lender repossessed the vehicle, a common consequence for high-risk secured debt

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 a loan or financial obligation not backed by any specific asset, such as a car or house, as collateral.

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Credit card balances and personal loans are common forms of unsecured debt, meaning they aren't backed by collateral like a house or car, making them riskier for lenders

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 a type of secured loan that allows a buyer to borrow money to purchase a car or other vehicle, with the vehicle itself serving as collateral for the loan.

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She took out an auto loan from the bank to buy a new car

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something, typically money, that is owed or due.

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He has to repay $500 worth of debt

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 a loan from a bank, credit union, or lender that provides a lump sum of money for various personal expenses.

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She took out a personal loan to pay for her dream wedding instead of using her savings

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a short-term, high-cost loan for a small amount, usually due on the borrower's next payday.

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The consumer, facing an unexpected medical bill, decided to take out a payday loan to cover the cost until their next paycheck arrived

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money borrowed to pay for educational costs like tuition, books, and housing, which must be repaid with interest after graduation. 

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She relied on a student loan to cover her university tuition and living expenses for the year

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The amount charged by a lender to a borrower for any form of debt given, generally expressed as a percentage of the principal.

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reduced interest rates encourage people to spend money on home improvements