Professional Certificate in Consumer Credit NEW


Who is this programme for?

The Professional Certificate in Consumer Credit, a single-module level 7 qualification, is a must for those working in retail consumer credit. It covers all the major areas of consumer credit including credit agreements, loans, credit cards and hire purchase as well as looking at the Consumer Credit Act 1995 and Consumer Protection Code. You are introduced to key areas such as risk-assessment, issues of over-indebtedness and the supports available to consumers who find themselves in difficulty repaying credit.

This professional certificate also analyses the types of life assurance and insurance products currently on the market.

How you will benefit

On successful completion of this programme, and on attaining the recognised professional designation, you will be able to:


  • Describe the growth of consumer credit protection and discuss the impact of consumer credit legislation on the Irish consumer and how this impacts on the provision of financial products and services to consumers
  • Discuss the pertinent credit issues, from the perspective of a lender and how they impact the consumer
  • Explain the concept of over-indebtedness and describe the supports and services available to consumers who are over indebted
  • Analyse the consumer credit products and services available to consumers within the regulated framework.

Minimum Competency Code

This programme and attaching APA designation satisfies the Central Bank of Ireland’s Minimum Competency Code for those who wish to sell, advise on or undertake specified functions, for the category of retail financial product ‘Consumer Credit Agreements and Associated Insurances’.

Holders of the certificate are invited to apply for the APA (Consumer Credit) designation. Continued use of the designation is subject to meeting annual CPD requirements.


One module:

  • Consumer Credit (NFQ Level 7, 5 ECTS)


When you successfully complete this programme you will be awarded a Professional Certificate in Consumer Credit (level 7) from UCD.




  • Two-hour exam at the end of the semester
  • Written essay-style questions
  • The pass mark is 40%

Entry requirements

The minimum second level educational requirements for entry to the Professional Certificate in Consumer Credit are as follows:
-    Five passes in the Leaving Certificate, including English and Mathematics
-    Five O Level/GCSE passes, including English Language and Mathematics.
The Institute will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme.



Professional body membership

You must be a current member of the Institute or become a member, to undertake this programme.

Membership is currently €40 per calendar year.


If you are a QFA, CPD member, LCOI or Chartered Banker, you may be awarded formal CPD hours when you successfully complete this qualification.

Further information is available here.


If you would like to Express an Interest in this programme click here