Judgment of the Court (Fourth Chamber) of 30 October 2025.#KI and FA v Mercedes-Benz Bank AG and Volkswagen Bank GmbH.#Request for a preliminary ruling from the Landgericht Ravensburg.#Preliminary ruling – Consumer protection – Credit agreement for the purchase of a motor vehicle – Directive 2008/48/EC – Article 10(2)(l) – Requirements relating to the information to be included in the agreement – Obligation to specify the interest rate applicable in the case of late payments – Article 14(1) – Right of withdrawal – Commencement of the withdrawal period in the absence of any reference to the interest rate applicable in the case of late payments – Unfairness of the exercise of the right of withdrawal – Consequences of exercising the right of withdrawal in the context of a credit agreement linked to a vehicle purchase agreement – Consumer’s obligations towards the creditor – Method of calculating compensation for loss of value of the financed asset – Article 14(3)(b) – Payment of interest following withdrawal from a credit agreement linked to a contract for the supply of goods.#Case C-143/23.