Abstract: The article discusses the cognitive and emotional components of the attitude toward credits. The cognitive component of the attitude toward credits is considered as a representation of the risks and resources that a person expects from crediting, and the emotional component is analyzed through the basic emotions experienced by a person at different stages of credits. Crediting considered as a sequence of the following borrowers: the decision to take a bank credit, the bank selection and credit conditions, obtaining approval for crediting, debt and interest payments on a credit agreement. Particular importance is attached to the study cases of non-repayment of debt and interest on the credit, that is, stage of personal default. Research presentation of crediting and the range of experiences of potential and actual borrowers was carried out using qualitative and quantitative techniques. As part of the study of the cognitive component of attitude toward credits on the content of personal meanings identified: the normative borrowers, who are forced to borrowers, borrowers-hedonists, borrowers perceive credits as the risks and threats, borrowers with an ambivalent attitude toward credits. As part of the study of the emotional component it is established that the four stages of the credit behavior is dominated by the emotion of interest, and at the stage of personal default added grief, guilt, fear. Consequently, the behavior of the credit includes the risk of psychological crisis.