Credit & Loans Puzzle 3

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Across
  1. 3. Failing to pay back a loan, which can lead to being "blacklisted" on the Credit Reference Bureau (CRB)
  2. 4. A plastic card from banks like KCB or Equity that lets you spend money you don't have yet up to a set limit.
  3. 5. Short for Buy Now, Pay Later; a popular way to get items like phones or solar kits by paying in small, regular installments.
Down
  1. 1. A valuable item (like a motorbike logbook) used as security for a large loan.
  2. 2. The company or person (like a bank or a digital credit provider) giving out the money.