A Credit Sale is a contract between the finance company and the customer where the customer agrees to buy specific goods – such as a vehicle from a dealer - and repay to the lender the amount of money borrowed to buy those goods.

Credit Sales are another form of `tri-partite` transaction usually available to both private and business customers.

Credit Sale agreements can be regulated, exempt or unregulated under consumer credit regulation.  This all depends on the type of customer and the amount borrowed.