The credit provider is obliged to provide you with the Standard European Consumer Credit Information (SECCI) form before you get down to considering a contract. It will give you the best overview of the agreement you’re considering. The form includes key details such as the type of credit, the Annual Percentage Rate (APR), the number and frequency of payments, the total amount owed etc. Receiving the same form from each credit provider will allow you to easily compare and choose the best credit offer for you.
If your credit provider didn’t give you a SECCI form, then ask for it. You have a right to receive it!
How to understand the form?