These are credit institutions providing finance to natural and legal persons for purchase of all kinds of goods and services.
Together with delivery and supply of goods and services on the name or account of the natural and legal persons purchasing goods or services, it is credited is directly by a payment to the seller, and loan repayments are made by those for whom the credit was opened to the financing company.
According to the relevant legislation, previously a written agreement is made with the sellers from whom they will provide goods and services to be credited.