Time Orders What credit agreements are covered?   You can apply for a time order if your credit agreement is regulated by the Consumer Credit Act 1974. This depends on when you took out your agreement and how much you borrowed at the time. Your loan will be regulated if you borrowed less than the following amounts: • £15,000 if you took your credit agreement out before 1 May 1998; • £25,000 if you took your credit agreement out between 1 May 1998 and 5 Ap