29The Court has had the opportunity to point out that, for a consumer, the total cost of credit, presented in the form of an APRC calculated according to a single mathematical formula, is of critical importance. That rate enables the consumer to assess, from a financial point of view, the extent of the commitment associated with the conclusion of the credit agreement (see, to that effect, judgments of 21 April 2016, Radlinger and Radlingerová, C‑377/14, EU:C:2016:283, paragraph 90 and the case-law cited; of 9 November 2016, Home Credit Slovakia, C‑42/15, EU:C:2016:842, paragraph 66 and the case-law cited; and of 20 September 2018, EOS KSI Slovensko, C‑448/17, EU:C:2018:745, paragraph 64).
Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.