{"feed":{"connector":"fed-credit","fetchedAt":"2026-10-26T15:30:32.043Z","sha256":"320722d30f326cc0eef05558242a73d616d8ec845cebf03ae28a504275cf042e","sourceUrl":"https://www.federalreserve.gov/releases/g19/current/default.htm","archiveStatus":"Awaiting immutable official source archive.","sourceUpdatedAt":"2026-10-07T00:00:00Z","metrics":[{"id":"consumer-credit","title":"Consumer credit outstanding","label":"Consumer credit outstanding","value":5196800000000,"unit":"USD","period":"2026-08","releaseDate":"2026-10-07","sourceId":"fed-credit","retrievedAt":"2026-10-26T15:30:32.043Z","status":"WN Estimate","vintage":"Official source import ยท 2026-08","series":[{"period":"2026-06","value":5170800000000},{"period":"2026-07","value":5188500000000},{"period":"2026-08","value":5196800000000}],"method":"Extend the published G.19 annualized flow (99400000000 USD/year) using 365 calendar days. Anchor at the start of the month after the observation and freeze after 92 days. Import rounded stocks and the independently published flow separately. A negative flow remains negative.","caveat":"Excludes loans secured by real estate. This is a constant-pace illustration, not live borrowing; annualized flow is not the difference between rounded stocks.","prefix":"$","model":{"kind":"stock","rate":3151.9533231862,"anchor":"2026-09-01T00:00:00.000Z","expires":"2026-12-02T00:00:00.000Z"}}]},"raw":"\n\n\n \n \n \n \n \n \n \n \n \n \n\n Federal Reserve Board - Consumer Credit - G.19\n \n \n \n \n \n \n \n \n \n \n \n Skip to main content\n \n
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Consumer Credit - G.19

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\n During the week of November 9, the โ€œBuild Your Packageโ€ feature in the Data Download Program (DDP) will be removed in preparation for the eventual retirement of the DDP. Users can access data and expanded download options through the Federal Reserve Bank of St. Louis's \n Federal Reserve Economic Data (FRED). Learn more about the \n DDP and FRED partnership.\n

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\n Current Release\n \n PDF\n Data Download\n\t\t FRED\n\t\t XML\n \n

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Release Date*: October 7, 2026
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August 2026

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In August, consumer credit increased at a seasonally adjusted annual rate of 1.9 percent. Revolving credit decreased at an annual rate of 4.2 percent, while nonrevolving credit increased at an annual rate of 4.1 percent.
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Consumer Credit Outstanding 1
\n Seasonally adjusted. Billions of dollars except as noted.\n \n \n \n \t \n \t \n \t \n \t\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
 20252026
\n 20212022202320242025Q2Q3Q4Q1Q2rJunrJulrAugp
Total percent change (annual rate)2 5.7 7.7 2.7 2.0 2.2 2.8 2.3 2.1 2.6 3.1 3.6 4.1 1.9
Revolving 6.9 15.4 8.9 4.1 3.1 3.0 3.4 3.5 4.2 4.9 6.0 2.5 -4.2
Nonrevolving 3 5.4 5.4 0.6 1.2 1.8 2.8 1.9 1.6 2.0 2.4 2.7 4.7 4.1
Total flow (annual rate)2,4 237.8 345.7 129.8 98.0 107.2 142.3 113.7 107.4 130.4 157.3 184.0 212.9 99.4
Revolving 65.7 159.1 106.2 52.9 40.0 38.1 43.9 46.4 55.4 64.9 80.7 33.4 -57.4
Nonrevolving 3 172.2 186.6 23.6 45.1 67.2 104.1 69.8 61.0 75.0 92.4 103.4 179.5 156.8
Total outstanding 4,512.7 4,858.4 4,988.2 4,947.2 5,098.8 5,043.5 5,072.0 5,098.8 5,131.4 5,170.8 5,170.8 5,188.5 5,196.8
Revolving 1,033.5 1,192.6 1,298.9 1,297.0 1,324.3 1,301.7 1,312.7 1,324.3 1,338.2 1,354.4 1,354.4 1,357.2 1,352.4
Nonrevolving 3 3,479.2 3,665.8 3,689.4 3,650.3 3,774.5 3,741.8 3,759.2 3,774.5 3,793.2 3,816.3 3,816.3 3,831.3 3,844.4
 
Terms of Credit\n
Not seasonally adjusted. Percent except as noted.
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Commercial bank interest rates 5
New car loans
60-month 4.82 5.36 7.83 8.16 7.65 7.67 7.64 7.24 7.53 7.14 n.a. n.a. 7.54
72-month 4.82 5.50 7.89 8.29 7.80 7.73 7.80 7.50 7.53 6.97 n.a. n.a. 7.17
Credit card plans
All accounts 14.60 16.26 20.90 21.58 21.22 21.16 21.39 20.97 21.00 20.94 n.a. n.a. 21.19
Accounts assessed interest 16.45 17.91 22.15 22.89 22.32 22.25 22.83 22.30 21.52 22.15 n.a. n.a. 22.36
Personal loans
24-month 9.38 9.87 11.87 12.27 11.50 11.57 11.14 11.63 11.36 11.86 n.a. n.a. 11.90
 
Finance companies (new car loans)6
Interest rates 4.6 5.2 6.7 6.2 6.4 6.6 6.3 6.1 6.2 6.3 6.3 n.a. n.a.
Maturity (months) 67 67 66 66 66 66 66 66 67 67 67 n.a. n.a.
Amount financed (dollars) 35,307 38,900 38,716 39,386 40,582 39,867 40,803 41,742 41,727 41,705 41,705 n.a. n.a.
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Consumer Credit Outstanding (Levels) 1
\n Not seasonally adjusted. Billions of dollars.\n \n \n \n \n \n \n \n \n \n\n\n\n\n\n\n\n\n\n\n\n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
 20252026
\n20212022202320242025Q2Q3Q4Q1Q2rJunrJulrAugp
Total 4,512.7 4,858.4 4,988.2 4,947.2 5,098.8 4,995.7 5,039.6 5,098.8 5,072.1 5,122.9 5,122.9 5,140.2 5,162.9
 
Major holders
Depository institutions 1,827.2 2,032.8 2,117.6 2,025.2 2,074.2 1,989.5 2,013.4 2,074.2 2,035.0 2,080.4 2,080.4 2,094.2 2,099.9
Finance companies 695.1 682.7 727.3 739.4 713.6 724.8 717.0 713.6 702.9 699.6 699.6 698.8 697.3
Credit unions 532.0 636.7 662.6 650.0 721.3 721.9 722.1 721.3 716.5 724.6 724.6 728.6 734.1
Federal government 7 1,436.4 1,487.3 1,462.2 1,518.0 1,578.0 1,545.3 1,573.3 1,578.0 1,606.7 1,607.9 1,607.9 1,608.3 1,621.5
Nonprofit and educational institutions 8 22.0 18.9 18.6 14.6 11.8 14.1 13.7 11.8 11.0 10.4 10.4 10.2 10.1
 
Major types of credit, by holder
Revolving 1,033.5 1,192.6 1,298.9 1,297.0 1,324.3 1,256.3 1,267.4 1,324.3 1,277.4 1,309.0 1,309.0 1,316.1 1,315.2
Depository institutions 944.2 1,095.7 1,195.5 1,193.0 1,219.7 1,154.7 1,165.4 1,219.7 1,175.8 1,206.0 1,206.0 1,212.5 1,211.1
Finance companies 24.7 22.3 20.8 18.3 16.3 16.1 15.6 16.3 15.2 15.3 15.3 15.3 15.3
Credit unions 64.7 74.7 82.5 85.7 88.3 85.5 86.4 88.3 86.5 87.7 87.7 88.3 88.8
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonrevolving 3,479.2 3,665.8 3,689.4 3,650.3 3,774.5 3,739.4 3,772.2 3,774.5 3,794.7 3,813.9 3,813.9 3,824.1 3,847.7
Depository institutions 883.0 937.1 922.0 832.2 854.4 834.9 848.0 854.4 859.3 874.3 874.3 881.7 888.9
Finance companies 670.4 660.5 706.4 721.1 697.3 708.7 701.5 697.3 687.7 684.3 684.3 683.5 681.9
Credit unions 467.4 562.0 580.1 564.4 633.0 636.4 635.7 633.0 630.0 637.0 637.0 640.3 645.3
Federal government 7 1,436.4 1,487.3 1,462.2 1,518.0 1,578.0 1,545.3 1,573.3 1,578.0 1,606.7 1,607.9 1,607.9 1,608.3 1,621.5
Nonprofit and educational institutions 8 22.0 18.9 18.6 14.6 11.8 14.1 13.7 11.8 11.0 10.4 10.4 10.2 10.1
 
Memo
Student Loans 9 1,733.4 1,764.1 1,729.1 1,778.4 1,834.7 1,802.6 1,833.0 1,834.7 1,862.7 1,861.8 1,861.8 n.a. n.a.
Motor Vehicle Loans 10 1,388.1 1,494.9 1,550.7 1,564.3 1,562.2 1,560.8 1,560.7 1,562.2 1,559.7 1,574.6 1,574.6 n.a. n.a.
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Consumer Credit Outstanding (Flows) 1
\n Not seasonally adjusted. Billions of dollars, annual rate.\n \n \n \n \n \n \n \n \n \n\n\n\n\n\n\n\n\n\n\n\n\n\n \n \n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
 20252026
 20212022202320242025Q2Q3Q4Q1Q2rJunrJulrAugp
Total 237.8 345.7 129.8 98.0 107.2 188.0 175.9 236.8 -106.9 203.1 201.4 208.2 272.2
 
Major holders
Depository institutions 139.7 205.6 84.7 46.7 74.8 166.6 95.6 243.0 -156.7 181.4 162.3 166.1 68.7
Finance companies 17.8 -12.4 44.6 12.1 -25.8 -23.5 -31.1 -13.8 -42.8 -13.1 -8.6 -9.1 -19.0
Credit unions 26.9 104.7 25.9 -12.6 0.9 22.9 0.6 -3.4 -19.0 32.4 56.8 48.0 65.6
Federal government 7 55.4 51.0 -25.1 55.8 60.1 23.0 112.1 18.9 114.5 4.8 -5.4 5.5 157.8
Nonprofit and educational institutions 8 -2.0 -3.2 -0.3 -4.0 -2.8 -1.0 -1.3 -7.9 -2.9 -2.4 -3.7 -2.4 -0.9
 
Major types of credit, by holder
Revolving 65.7 159.1 106.2 52.9 40.0 99.4 44.5 227.6 -187.6 126.2 103.3 85.8 -10.8
Depository institutions 68.9 151.5 99.8 52.3 39.3 97.4 42.9 217.4 -175.9 121.1 93.1 77.3 -16.7
Finance companies -5.6 -2.5 -1.4 -2.6 -2.0 -2.9 -2.1 2.9 -4.5 0.5 0.0 0.4 0.1
Credit unions 2.4 10.0 7.8 3.2 2.6 4.9 3.7 7.4 -7.2 4.7 10.2 8.1 5.8
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonrevolving 172.2 186.6 23.6 45.1 67.2 88.6 131.5 9.1 80.7 76.9 98.1 122.4 283.0
Depository institutions 70.8 54.1 -15.1 -5.6 35.5 69.2 52.7 25.6 19.3 60.4 69.2 88.9 85.4
Finance companies 23.5 -9.9 46.0 14.7 -23.8 -20.7 -29.0 -16.7 -38.4 -13.6 -8.6 -9.5 -19.1
Credit unions 24.6 94.6 18.1 -15.7 -1.7 18.0 -3.1 -10.8 -11.8 27.8 46.6 39.9 59.8
Federal government 7 55.4 51.0 -25.1 55.8 60.1 23.0 112.1 18.9 114.5 4.8 -5.4 5.5 157.8
Nonprofit and educational institutions 8 -2.0 -3.2 -0.3 -4.0 -2.8 -1.0 -1.3 -7.9 -2.9 -2.4 -3.7 -2.4 -0.9
 
Memo
Student Loans 9 39.6 30.7 -34.9 49.2 56.3 -11.4 121.5 6.9 112.0 -3.4 -3.4 n.a. n.a.
Motor Vehicle Loans 10 90.4 106.8 55.8 13.6 -2.1 22.5 -0.2 5.8 -9.8 59.6 59.6 n.a. n.a.
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*This release is generally issued on the fifth business day of each month. See the Statistical Release Schedule for more information.

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Footnotes

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  1. Covers most credit extended to individuals, excluding loans secured by real estate. Includes receivables carried on the balance sheet of the institution as well as outstanding balances of pools upon which securities have been issued; under the current accounting rule, most of those balances remain on the balance sheets of the loan originator.
    2. \n\n\t
  2. The series for consumer credit outstanding and its components may contain breaks that result from discontinuities in source data. Percent changes are adjusted to exclude the effect of such breaks. In addition, percent changes are at a simple annual rate and are calculated from unrounded data.
    3. \n\n\t
  3. Includes motor vehicle loans and all other loans not included in revolving credit, such as loans for mobile homes, education, boats, trailers, or vacations. These loans may be secured or unsecured.
    4. \n\n
  4. Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in methodology, source data, and other technical aspects of the estimation that could affect the level of credit.
    5. \n\n\t
  5. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no finance charges were assessed).
    6. \n\n\t
  6. Covers most of the captive and non-captive finance companies. The series of finance company new car loan terms included in previous releases are discontinued. They remain available from the Data Download Program.
    7. \n\n\t
  7. Includes student loans originated by the Department of Education under the Federal Direct Loan Program and the Perkins Loan Program, as well as Federal Family Education Program loans that the government purchased under the Ensuring Continued Access to Student Loans Act.
    8. \n\n\t
  8. Includes student loans originated under the Federal Family Education Loan Program and held by educational institutions and nonprofit organizations.
    9. \n\n\t \n\n \n\n
  9. Includes student loans originated under the Federal Family Education Loan Program and the Direct Loan Program; Perkins loans; and private student loans without government guarantees. This memo item includes loan balances that are not included in the nonrevolving credit balances. For additional information, see public documentation. Data for this memo item are released for each quarter-end month.
    10. \n\n\t
  10. Includes motor vehicle loans owned and securitized by depository institutions, finance companies, and credit unions. The estimate also includes loans owned by nonfinancial business business lenders through 2019. Includes loans for passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks for personal use. Loans for boats, motorcycles and recreational vehicles are not included. Data for this memo item are released for each quarter-end month.
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r=revised. p=preliminary. n.a.=not available. ...=not applicable.

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Last Update: October 07, 2026
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