Umowa kredytowa jest dokumentem, na mocy którego kredytobiorca otrzymuje od banku kredyt. Musi zawierać informacje o wysokości zaciąganego zobowiązania, długości okresu kredytowania, harmonogram spłat, wykaz prowizji i opłat okołokredytowych. Dodatkowo powinny znaleźć się zapisu odnośnie oprocentowania, rodzaju rat i RSSO. Szczególnym rodzajem umowy kredytowej, jest umowa o kredyt hipoteczny, ponieważ zawiera zapisy regulujące przeznaczenie pożyczanych pieniędzy.
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