Judgment of the Court (Sixth Chamber) of 19 December 2019 (request for a preliminary ruling from the Krajský súd v Trnave — Slovakia) — RN v Home Credit Slovakia a.s.

(Case C-290/19) ¹

(Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit agreements — Article 10(2) — Information to be included in credit agreements — Annual percentage rate of charge — Lack of indication of the exact percentage of that rate of charge — Rate of charge expressed as a range between 21.5% and 22.4%)

Language of the case: Slovakian

Referring court

Krajský súd v Trnave

Parties to the main proceedings

Applicant: RN

Defendant: Home Credit Slovakia a.s.

Operative part of the judgment

Article 10(2)(g) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, as amended by Commission Directive 2011/90/EU of 14 November 2011, must be interpreted as precluding, in a consumer credit agreement, the annual percentage rate of charge from being expressed not as a single rate but as a range referring to a minimum and a maximum rate.

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¹ OJ C 213, 24.6.2019.