Types of Borrowers

The Central Credit Register includes various types of borrowers:

  • Individuals and Consumers: People who borrow for personal reasons.
  • Companies: Corporate entities that take out loans.
  • Sole Traders and Partnerships: Business owners operating individually or in partnership.
  • Clubs and Associations: Other entities resident in the State at the time of making a credit application.
  • Guarantors: From 1 February 2025, guarantors who provide guarantees or indemnities will also be included.

Types of Lenders

Lenders, known as Credit Information Providers, who submit data to the Central Credit Register include:

  • Banks
  • Credit Unions
  • Asset Finance Houses
  • Local Authorities
  • High Cost Credit Providers
  • Firms that have acquired loan books from Irish financial institutions
  • NAMA (National Asset Management Agency)

Types of Loans included

The Central Credit Register records loans of €500 or more, such as: 

  • Mortgages
  • Credit Cards
  • Overdrafts
  • Personal Loans
  • Business Loans
  • Local Authority Loans
  • High Cost Credit Provider Loans
  • Hire Purchase Agreements
  • Personal Contract Plans (PCP)
  • Asset Finance Loans

Loans are included if:

  • The borrower lives in the State at the time of applying for the loan, or
  • The loan agreement or loan application is governed by Irish law.