<TABLE>
<S>
<C>
PAGE 1
PRICING SUPPLEMENT NO. 79 TO PROSPECTUS DATED November 3, 1994
CUSIP #44922L2A3 RULE NO. 424 (b) (2)
REGISTRATION NO. 33-56207
(AS SUPPLEMENTED November 17, 1994)
IBM CREDIT CORPORATION
MEDIUM-TERM NOTE
(DUE FROM 9 MONTHS TO 30 YEARS FROM DATE OF ISSUE)
(FIXED RATE NOTE)
Principal Amount: $100,000,000.00 Designation : N9601008
Issue Price (as a % of Principal Amount): 99.952% Orig. Issue Date : 05/22/96
Record Dates: 04/15, 10/15 Maturity Date : 05/22/97
Interest Payment Dates: 05/22, 11/22 Initial Int. Rate: 5.70000% per yr.
Redemption:
Check opposite applicable paragraph.
XXX
----- The Notes cannot be redeemed prior to maturity.
<PAGE>
----- The Notes may be redeemed prior to maturity.
Initial Redemption Date: N/A
The Optional Redemption Price shall initially be N/A of the principal
amount of the Note to be redeemed and shall decline at each anniversary
of the Initial Redemption Dates by N/A of the principal amount to be
redeemed until the Optional redemption Price is 100% of such principal
amount.
DATED 05/21/96
</TABLE>
<TABLE>
<S>
<C>
PAGE 1
PRICING SUPPLEMENT NO. 80 TO PROSPECTUS DATED November 3, 1994
CUSIP #44922L2B1 RULE NO. 424 (b) (2)
REGISTRATION NO. 33-56207
(AS SUPPLEMENTED November 17, 1994)
IBM CREDIT CORPORATION
MEDIUM-TERM NOTE
(DUE FROM 9 MONTHS TO 30 YEARS FROM DATE OF ISSUE)
(FIXED RATE NOTE)
Principal Amount: $50,000,000.00 Designation : R9605006
Issue Price (as a % of Principal Amount): 99.585% Orig. Issue Date : 05/22/96
Record Dates: 04/15, 10/15 Maturity Date : 05/22/01
Interest Payment Dates: 05/22, 11/22 Initial Int. Rate: 6.80000% per yr.
Redemption:
Check opposite applicable paragraph.
<PAGE>
XXX
----- The Notes cannot be redeemed prior to maturity.
----- The Notes may be redeemed prior to maturity.
Initial Redemption Date: N/A
The Optional Redemption Price shall initially be N/A of the principal
amount of the Note to be redeemed and shall decline at each anniversary
of the Initial Redemption Dates by N/A of the principal amount to be
redeemed until the Optional redemption Price is 100% of such principal
amount.
DATED 05/21/96
</TABLE>
