Credit Cost Game

The Real Cost of Credit — a borrowing simulator
A borrowing simulator

The real cost of credit

Pick something to buy, then try different ways of borrowing for it. Every form of credit charges a different price — some you can see coming, some you can't.

1What are you buying?
2How will you pay for it?
← scroll to see all five options →
3Your repayment plan
4The receipt
5If you'd chosen differently…

Same item, every workable way of paying for it — ranked by what it actually costs you in interest and fees.

Classroom simulator, not financial advice. Rates shown are typical Irish market ranges for teaching purposes — real APRs, limits and fees vary by lender and by your own circumstances. Under Irish rules, credit agreements of €500 or more must be reported to the Central Credit Register (CCR) and become part of your credit history, visible to lenders when you apply for credit in future.
Master your money

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Available to both primary and secondary schools across Ireland.

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