The bank lending contract is the document that establishes the obligations and rights between the parties to the contract and contains information related to: the parties to the respective contract, the bank and the client of the bank who can be a natural person or a legal entity, the object of the contract, the use of the credit, drawing the credit, the period of granting the loan, the interest on the granted loan, bank commissions, the repayment of the bank loan specifying the number of instalments, the maturity of the instalments and the amounts due at maturity, the guarantee of the loan, special clauses, final provisions. This information is considered mandatory information. The credit contract, according to art. 10 of Directive 2008I48ICE, must be drawn up on paper or another durable medium, drawn up in one copy for each part of the contract, whose data and information presentation content must be concise and clear. In Romania, O.U.G. no. 50/2010, regulates the technique of concluding the contract, specifies the limits for the accessories of the loan and the mandatory information of the loan repayment schedule. Credit represents contractual trust because the balance between the contracting parties for the contracted amounts depends on the form and content of the contract.