RRSO czyli Roczna Rzeczywista Stopa Oprocentowana jest ważnym czynnikiem, służącym do porównania ofert kredytowych. Sposób jej ustalania jest regulowany przez Ustawę o kredycie konsumenckim. Zawiera wszystkie dodatkowe opłaty i prowizje, jednak jest wrażliwa na czynnik czasu i nie jest stała dla danego kredytu. Dlatego, aby mieć pełną świadomość ile wynosi całkowity koszt kredytu, należy przeanalizować harmonogram spłaty zadłużenia.
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