Businesses listed under other credit provide or arrange borrowing that does not fit more specific lending categories. Their services may include personal loans, short-term credit, business loans, asset or equipment finance, invoice finance and other forms of secured or unsecured borrowing. Some lend directly, while others act as credit brokers, introducing customers to lenders and helping them compare or apply for suitable finance. The terms, eligibility checks and repayment arrangements vary by product. Lenders may assess income, credit history, affordability and, for secured borrowing, the value of an asset offered as security. Customers may be given information about interest, fees, repayment periods and the consequences of missed payments before entering an agreement. In the UK, firms carrying out regulated consumer credit activities generally need appropriate Financial Conduct Authority authorisation or permission; the rules depend on the activity and type of credit involved.