--- source: Federal Reserve url: https://www.federalreserve.gov/releases/g19/current/ document_type: html date_retrieved: 2026-04-07 period: February 2026 parent_publication: Consumer Credit - G.19 indicators_covered: ["Consumer Credit", "Revolving Credit", "Nonrevolving Credit", "Total Flow", "Total Outstanding"] --- # G.19 Consumer Credit — February 2026 Release Date: April 7, 2026 ## Consumer Credit Outstanding (Seasonally adjusted) *Billions of dollars except as noted.* ``` Total percent change (annual rate) 2021 2022 2023 2024r 2025r 2024 Q4r 2025 Q1r Q2r Q3r Q4r Decr Janr Febp Total 5.7 7.7 2.7 2.0 2.2 2.3 1.3 2.8 2.3 2.1 3.7 1.8 2.2 Revolving 6.9 15.4 8.9 4.1 3.1 2.8 2.4 3.0 3.4 3.5 7.4 2.3 0.6 Nonrevolving 5.4 5.4 0.6 1.2 1.8 2.1 0.9 2.8 1.9 1.6 2.5 1.6 2.8 Total flow (annual rate) 237.8 345.7 129.8 98.9 107.2 115.0 65.1 141.8 113.9 107.9 190.3 92.0 113.8 Revolving 65.7 159.1 106.2 52.9 40.0 37.3 31.3 38.1 43.9 46.4 97.9 30.8 8.5 Nonrevolving 172.2 186.6 23.6 45.9 67.2 77.7 33.8 103.6 70.0 61.5 92.4 61.2 105.3 Total outstanding 4,512.7 4,858.4 4,988.2 4,948.1 5,099.6 4,948.1 5,022.6 5,044.2 5,072.7 5,099.6 5,099.6 5,107.3 5,116.8 Revolving 1,033.5 1,192.6 1,298.9 1,297.0 1,324.3 1,297.0 1,292.8 1,301.7 1,312.7 1,324.3 1,324.3 1,326.9 1,327.6 Nonrevolving 3,479.2 3,665.8 3,689.4 3,651.1 3,775.3 3,651.1 3,729.8 3,742.4 3,759.9 3,775.3 3,775.3 3,780.4 3,789.2 ``` ## Consumer Credit Outstanding (Flows) — Not seasonally adjusted *Billions of dollars, annual rate* ``` 2021 2022 2023 2024r 2025r 2025 Q4r 2026 Q1r Q2r Q3r Q4r Decr Janr Febp Total 237.8 345.7 129.8 98.9 107.2 237.3 -172.2 187.5 176.1 237.3 411.8 -72.7 -238.4 Major holders Depository institutions 139.7 205.6 84.7 46.7 75.1 220.3 -205.9 166.6 95.6 243.9 391.3 -293.6 -214.2 Finance companies 17.8 -12.4 44.6 12.1 -25.8 14.4 -34.8 -23.5 -31.1 -13.8 14.2 -40.9 -49.4 Credit unions 26.9 104.7 25.9 -12.6 0.9 -8.6 -16.3 22.9 0.6 -3.4 -8.7 19.2 -39.2 Federal government 55.4 51.0 -25.1 55.8 60.1 9.1 86.2 23.0 112.1 18.9 38.8 247.4 67.1 Nonprofit and educational institutions -2.0 -3.2 -0.3 -3.2 -3.0 2.2 -1.3 -1.5 -1.1 -8.3 -23.8 -4.8 -2.7 Major types of credit, by holder Revolving 65.7 159.1 106.2 52.9 40.0 215.1 -211.7 99.4 44.5 227.6 383.3 -353.4 -243.2 Depository institutions 68.9 151.5 99.8 52.3 39.3 206.3 -200.3 97.4 42.9 217.3 364.5 -357.2 -216.0 Finance companies -5.6 -2.5 -1.4 -2.6 -2.0 0.1 -5.9 -2.9 -2.1 2.9 2.9 -0.9 -0.6 Credit unions 2.4 10.0 7.8 3.2 2.6 8.6 -5.5 4.9 3.7 7.4 15.9 4.7 -26.6 Nonrevolving 172.2 186.6 23.6 45.9 67.2 22.3 39.5 88.1 131.7 9.6 28.5 280.7 4.8 Depository institutions 70.8 54.1 -15.1 -5.6 35.7 14.0 -5.5 69.2 52.7 26.5 26.8 63.6 1.9 Finance companies 23.5 -9.9 46.0 14.7 -23.8 14.2 -29.0 -20.7 -29.0 -16.7 11.3 -40.0 -48.8 Credit unions 24.6 94.6 18.1 -15.7 -1.7 -17.2 -10.8 18.0 -3.1 -10.8 -24.7 14.4 -12.6 ``` ## Consumer Credit Outstanding (Levels) — Not seasonally adjusted *Billions of dollars* ``` 2021 2022 2023 2024r 2025r 2025 Q4r 2026 Q1r Q2r Q3r Q4r Decr Janr Febp Total 4,512.7 4,858.4 4,988.2 4,948.1 5,099.6 4,948.1 4,963.3 4,996.3 5,040.3 5,099.6 5,099.6 5,093.6 5,073.7 Major holders Depository institutions 1,827.2 2,032.8 2,117.6 2,025.2 2,074.4 2,025.2 1,961.8 1,989.5 2,013.4 2,074.4 2,074.4 2,049.9 2,032.1 Finance companies 695.1 682.7 727.3 739.4 713.6 739.4 730.7 724.8 717.0 713.6 713.6 710.2 706.1 Credit unions 532.0 636.7 662.6 650.0 721.3 650.0 716.2 721.9 722.1 721.3 721.3 722.8 719.6 Federal government 1,436.4 1,487.3 1,462.2 1,518.0 1,578.0 1,518.0 1,539.5 1,545.3 1,573.3 1,578.0 1,578.0 1,598.7 1,604.2 Nonprofit and educational institutions 22.0 18.9 18.6 15.4 12.4 15.4 15.1 14.7 14.4 12.4 12.4 12.0 11.7 Major types of credit, by holder Revolving 1,033.5 1,192.6 1,298.9 1,297.0 1,324.3 1,297.0 1,232.0 1,256.3 1,267.4 1,324.3 1,324.3 1,294.9 1,274.6 Depository institutions 944.2 1,095.7 1,195.5 1,193.0 1,219.7 1,193.0 1,130.9 1,154.7 1,165.4 1,219.7 1,219.7 1,190.0 1,172.0 Finance companies 24.7 22.3 20.8 18.3 16.3 18.3 16.8 16.1 15.6 16.3 16.3 16.2 16.2 Credit unions 64.7 74.7 82.5 85.7 88.3 85.7 84.3 85.5 86.4 88.3 88.3 88.7 86.5 Nonrevolving 3,479.2 3,665.8 3,689.4 3,651.1 3,775.3 3,651.1 3,731.3 3,740.0 3,772.9 3,775.3 3,775.3 3,798.7 3,799.1 Depository institutions 883.0 937.1 922.0 832.2 854.7 832.2 830.9 834.9 848.0 854.7 854.7 860.0 860.1 Finance companies 670.4 660.5 706.4 721.1 697.3 721.1 713.9 708.7 701.5 697.3 697.3 694.0 689.9 Credit unions 467.4 562.0 580.1 564.4 633.0 564.4 631.9 636.4 635.7 633.0 633.0 634.2 633.1 Federal government 1,436.4 1,487.3 1,462.2 1,518.0 1,578.0 1,518.0 1,539.5 1,545.3 1,573.3 1,578.0 1,578.0 1,598.7 1,604.2 Nonprofit and educational institutions 22.0 18.9 18.6 15.4 12.4 15.4 15.1 14.7 14.4 12.4 12.4 12.0 11.7 Memo Student Loans 1,733.4 1,764.1 1,729.1 1,778.4 1,838.4 1,778.4 1,805.5 1,802.6 1,833.0 1,838.4 1,838.4 n.a. n.a. Motor Vehicle Loans 1,388.1 1,494.9 1,550.7 1,564.3 1,562.2 1,564.3 1,555.2 1,560.8 1,560.7 1,562.2 1,562.2 n.a. n.a. ``` ## Terms of Credit *Not seasonally adjusted. Percent except as noted.* **Commercial bank interest rates** **New car loans** - 60-month: 4.82 (2021), 5.36 (2022), 7.83 (2023), 8.16 (2024), 7.64 (2025r), 7.82 (2025 Q4r), 8.04 (2026 Q1r), 7.67 (2026 Q2r), 7.64 (2026 Q3r), 7.22 (2026 Q4r), n/a (Decr), n/a (Janr), 7.52 (Febp) - 72-month: 4.82 (2021), 5.50 (2022), 7.89 (2023), 8.29 (2024), 7.80 (2025r), 7.67 (2025 Q4r), 8.16 (2026 Q1r), 7.73 (2026 Q2r), 7.80 (2026 Q3r), 7.52 (2026 Q4r), n/a (Decr), n/a (Janr), 7.55 (Febp) **Credit card plans** - All accounts: 14.60 (2021), 16.26 (2022), 20.90 (2023), 21.58 (2024), 21.22 (2025r), 21.47 (2025 Q4r), 21.37 (2026 Q1r), 21.16 (2026 Q2r), 21.39 (2026 Q3r), 20.97 (2026 Q4r), n/a (Decr), n/a (Janr), 21.00 (Febp) - Accounts assessed interest: 16.45 (2021), 17.91 (2022), 22.15 (2023), 22.89 (2024), 22.32 (2025r), 22.80 (2025 Q4r), 21.91 (2026 Q1r), 22.25 (2026 Q2r), 22.83 (2026 Q3r), 22.30 (2026 Q4r), n/a (Decr), n/a (Janr), 21.52 (Febp) **Personal loans** - 24-month: 9.38 (2021), 9.87 (2022), 11.87 (2023), 12.27 (2024), 11.51 (2025r), 12.32 (2025 Q4r), 11.66 (2026 Q1r), 11.57 (2026 Q2r), 11.14 (2026 Q3r), 11.65 (2026 Q4r), n/a (Decr), n/a (Janr), 11.40 (Febp) **Finance companies (new car loans)** - Interest rates: 4.6 (2021), 5.2 (2022), 6.7 (2023), 6.2 (2024), 6.4 (2025), 6.0 (2025 Q4), 6.4 (2026 Q1), 6.6 (2026 Q2), 6.3 (2026 Q3), 6.1 (2026 Q4), 6.1 (Dec), n/a (Jan), n/a (Feb) - Maturity (months): 67 (2021), 67 (2022), 66 (2023), 66 (2024), 66 (2025), 65 (2025 Q4), 66 (2026 Q1), 66 (2026 Q2), 66 (2026 Q3), 66 (2026 Q4), 66 (Dec), n/a (Jan), n/a (Feb) - Amount financed ($): 35,307 (2021), 38,900 (2022), 38,716 (2023), 39,386 (2024), 40,582 (2025), 40,115 (2025 Q4), 39,918 (2026 Q1), 39,867 (2026 Q2), 40,803 (2026 Q3), 41,742 (2026 Q4), 41,742 (Dec), n/a (Jan), n/a (Feb) --- Footnotes are as published in the release. See the Federal Reserve's website for the full release notes and methodology.