Credit inclusion has emerged as an important policy issue in post-communist member states of the European Union because of reductions in state welfare. Sub-prime lenders have emerged to fill the gap left by welfare cuts for low-income consumers who do not qualify for mainstream credit. Home collected credit has become established in post-communist member states but high interest and administrative costs make this an expensive option resulting in vulnerable people becoming involved in a cycle of indebtedness. Some of the important consequences for social policy are addressed.