Personal Needs Credit is a loan you get from your bank when you want to make a purchase but don't have enough money.  

For example: let's say you want to renovate your home but don't have the resources to do so. 🙁

Well, taking a credit loan, you get all the money you need in a short time and then you pay it back over time in the form of bank instalments. 

On the plus side, you don't have to justify how you use the money. 🏡

❗⠀If you're thinking of taking a credit:

➤⠀you can calculate your monthly instalments online in the BT credit simulator;

➤⠀and then find out over the phone if you qualify for the desired amount. 😃