National Credit Act, 2005 (Act No. 34 of 2005) - consumer

in respect of a credit agreement to which this Act applies, means—

(a)	the party to whom goods or services are sold under a discount transaction, incidental credit agreement or instalment agreement;

(b)	the party to whom money is paid, or credit granted, under a pawn transaction;

(c)	the party to whom credit is granted under a credit facility;

(d)	the mortgagor under a mortgage agreement;

(e)	the borrower under a secured loan;

(f)	the lessee under a lease;

(g)	the guarantor under a credit guarantee; or

(h)	the party to whom or at whose direction money is advanced or credit granted under any other credit agreement;