What does the US Consumer Outstanding Credit table measure?

The US Consumer Outstanding Credit table tracks the total amount of consumer credit extended in the United States, categorising it by loan type such as revolving and non-revolving, and by the holding institution.

How frequently is the US Consumer Outstanding Credit data published?

This table is updated on a monthly basis by the Federal Reserve, with historical series extending back to 1943 for ongoing US consumer debt analysis.

What specific breakdowns are available in this consumer credit table?

The table provides breakdowns by credit type, distinguishing between revolving credit like credit cards and non-revolving installment loans, as well as by holders including depository institutions, finance companies, credit unions, and the federal government.

How should the US Consumer Outstanding Credit figures be interpreted?

The figures represent total outstanding balances in USD million as reported by the Federal Reserve. These specific series are not seasonally adjusted, reflecting the raw credit amounts held across sectors in the United States.

US Consumer Outstanding Credit

Name: US Consumer Outstanding Credit
Creator: FRED (Federal Reserve Bank of St. Louis)
License: https://creativecommons.org/licenses/by/4.0/

US monthly consumer credit outstanding, broken down by type and holder, from the Federal Reserve.

Source: FRED (Federal Reserve Bank of St. Louis)Last updated: Sep 21, 2026, 14:17Curated by Bui Thanh PhucAbout this data ↓

Indicator	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025	10-2025	09-2025	08-2025	07-2025	06-2025	05-2025	04-2025	03-2025	02-2025	01-2025	12-2024	11-2024	10-2024	09-2024	08-2024	07-2024	06-2024	05-2024	04-2024	03-2024	02-2024	01-2024	12-2023	11-2023	10-2023	09-2023	08-2023	07-2023
Total consumer outstanding credit7	5,137,926.97	5,120,258.09	5,104,252.22	5,093,980.76	5,072,102.09	5,067,314.18	5,089,484.19	5,098,820.89	5,064,622.4	5,045,723.01	5,039,625.83	5,025,395.49	5,008,375.22	4,996,295.44	4,999,115.8	4,981,018.59	4,963,306.99	4,915,432.73	4,942,759.13	4,948,059.37	5,049,873.32	5,038,819.03	5,027,763.15	5,023,689.64	4,999,032.34	4,980,854.45	4,976,852.31	4,959,609.34	4,956,362.95	4,972,369.49	4,988,048.11	4,988,225.92	4,979,051.52	4,937,828.6	4,927,943.9	4,917,333.46	4,914,529.99
Depository institutions	2,078,901.98	2,064,920.96	2,051,556.08	2,040,177.85	2,020,113.96	2,011,094.46	2,030,828.58	2,058,361.99	2,025,943.48	2,007,178.72	1,997,551.93	1,993,860.87	1,987,535.89	1,973,619.03	1,978,036.6	1,963,215.02	1,947,340.06	1,964,577.5	1,984,876.34	2,009,529	2,116,307.92	2,107,095.49	2,093,198.03	2,096,870.07	2,088,947.46	2,078,595.07	2,075,045.68	2,056,611.53	2,053,365.98	2,067,945.12	2,079,130.63	2,101,300.94	2,099,193.2	2,063,679.61	2,061,404.97	2,062,298.54	2,039,100.98
Finance companies	699,141.87	699,721.53	700,311.98	701,335.77	702,883.44	705,001.12	709,764.22	713,593.28	712,413.55	714,149.77	717,046.67	722,980.37	722,782.95	724,834	727,993.83	730,663.22	730,709.91	733,875.82	738,170.86	739,420.57	737,066.88	737,156.02	735,829.55	736,026.09	734,458.71	731,926.37	732,652.68	731,026.32	729,283.26	728,108.45	728,080.43	727,276.28	724,206.33	721,497.42	718,694.81	715,924.97	710,929.57
Credit unions	728,616.32	724,615.34	719,881.51	717,847.22	716,513.03	719,002.7	722,567.39	721,261.89	721,986.17	722,204.89	722,102.54	721,268.48	721,461.1	721,946.66	720,340.25	717,040	716,229.85	649,374.41	650,753.63	650,020.42	649,599	651,585.9	652,178.9	656,100.08	656,451.7	654,542.84	655,291.07	654,457.02	654,453.86	657,680.88	660,670.64	662,595.09	662,285.48	663,518.33	661,434.2	659,641.64	657,049.13
Federal government	1,605,596.93	1,605,133.81	1,606,487.28	1,608,648.66	1,606,668.48	1,605,849.26	1,599,454.73	1,578,035.94	1,574,803.45	1,572,751.63	1,573,310.16	1,556,885.09	1,546,074.29	1,545,278.43	1,542,520.79	1,540,289.24	1,539,518.38	1,537,563.84	1,538,342.69	1,517,974.18	1,515,654.7	1,512,333.15	1,515,690.85	1,503,708.7	1,488,279.26	1,484,905.9	1,483,347.56	1,486,783.13	1,488,624.63	1,486,585.54	1,486,602.05	1,462,189.99	1,462,359.6	1,462,000.28	1,463,066.99	1,456,889.27	1,485,388.17
Nonprofit and educational institutions	10,226.89	10,423.47	10,731.62	10,893.2	11,029.62	11,166.92	11,379.9	11,757.74	13,642.62	13,582.55	13,736.09	14,502.46	14,602.41	14,703.68	14,796.76	14,911.95	15,075.51	15,194.59	15,354.66	15,405.35	15,423.27	14,728.38	14,862.56	15,256.01	15,469.51	15,779.4	15,997.72	16,839.01	17,251.62	17,645.14	18,114.98	18,600.32	18,805.87	19,156.58	19,501.77	19,163.68	18,848.87
Revolving outstanding credit (credit cards)3	1,316,146.98	1,308,976.25	1,300,366.67	1,291,738.06	1,277,418.83	1,274,128.11	1,294,021.82	1,324,322.34	1,292,555.88	1,275,195.05	1,267,412.84	1,271,125.56	1,269,277.51	1,256,299.75	1,252,391.31	1,240,961.06	1,232,039.16	1,251,281.71	1,269,963.6	1,296,965.62	1,319,582.83	1,310,772.01	1,298,033.28	1,303,776.26	1,296,770.04	1,286,627.26	1,283,829.64	1,264,343.41	1,259,721.51	1,265,950.8	1,275,735.17	1,298,865.89	1,280,589.02	1,241,195.94	1,234,669.35	1,236,073.62	1,215,468.73
Depository institutions	1,212,479.27	1,206,019.98	1,198,260	1,189,734.65	1,175,755.95	1,171,547.32	1,189,142.02	1,219,735.01	1,189,533.73	1,172,768.84	1,165,396.96	1,169,323.59	1,167,378.55	1,154,674.03	1,151,101.79	1,139,778.77	1,130,843.06	1,148,632.76	1,165,641.09	1,192,917.03	1,217,123.42	1,208,507.96	1,196,161.02	1,201,764.8	1,194,765.96	1,185,074.04	1,182,667.19	1,163,638.07	1,159,146.98	1,165,010	1,173,211.31	1,195,397.96	1,178,790.4	1,140,222.66	1,134,953.97	1,136,175.86	1,116,076.55
Finance companies	15,337.61	15,302.55	15,301.52	15,272.19	15,177.66	15,499.07	15,881.62	16,295.59	16,057.21	15,821.77	15,582.47	15,809.63	15,983.02	16,116.11	16,375.3	16,599.11	16,828.64	17,288.51	17,774.55	18,294.53	18,283.52	18,272.64	18,261.82	18,513.1	18,744.48	18,967.02	19,098.76	19,154.24	19,173.82	19,675.22	20,244.53	20,847.26	20,707.62	20,599.72	20,416.75	20,551.67	20,677.36
Credit unions	88,330.1	87,653.72	86,805.15	86,731.22	86,485.22	87,081.71	88,998.18	88,291.75	86,964.94	86,604.43	86,433.41	85,992.35	85,915.93	85,508.41	84,888.84	84,531.57	84,291.51	85,279.99	86,464.4	85,667.1	84,086.86	83,900.43	83,517.4	83,402.75	83,161.3	82,485.16	81,959.4	81,443.4	81,289.64	81,149.81	82,159.09	82,495.82	80,963.97	80,244.58	79,167.77	79,215.42	78,584.48
Non-revolving outstanding credit7	3,821,779.99	3,811,281.84	3,803,885.55	3,802,242.7	3,794,683.26	3,793,186.07	3,795,462.37	3,774,498.55	3,772,066.52	3,770,527.96	3,772,212.99	3,754,269.93	3,739,097.71	3,739,995.69	3,746,724.49	3,740,057.54	3,731,267.83	3,664,151.02	3,672,795.54	3,651,093.75	3,730,290.5	3,728,047.03	3,729,729.87	3,719,913.38	3,702,262.3	3,694,227.19	3,693,022.67	3,695,265.93	3,696,641.44	3,706,418.7	3,712,312.95	3,689,360.03	3,698,462.5	3,696,632.67	3,693,274.55	3,681,259.84	3,699,061.26
Depository institutions	866,422.71	858,900.98	853,296.08	850,443.2	844,358.01	839,547.14	841,686.56	838,626.99	836,409.74	834,409.87	832,154.97	824,537.28	820,157.34	818,945	826,934.81	823,436.26	816,497	815,944.73	819,235.25	816,611.97	899,184.5	898,587.53	897,037.01	895,105.26	894,181.5	893,521.03	892,378.49	892,973.46	894,219	902,935.12	905,919.32	905,902.99	920,402.8	923,456.94	926,451	926,122.69	923,024.43
Finance companies	683,804.26	684,418.98	685,010.46	686,063.58	687,705.78	689,502.05	693,882.6	697,297.69	696,356.34	698,328	701,464.2	707,170.74	706,799.93	708,717.89	711,618.53	714,064.11	713,881.27	716,587.31	720,396.32	721,126.04	718,783.36	718,883.38	717,567.73	717,512.99	715,714.23	712,959.35	713,553.92	711,872.07	710,109.44	708,433.23	707,835.9	706,429.02	703,498.71	700,897.71	698,278.06	695,373.31	690,252.21
Credit unions	640,286.22	636,961.61	633,076.37	631,115.99	630,027.81	631,920.99	633,569.21	632,970.14	635,021.24	635,600.45	635,669.13	635,276.13	635,545.17	636,438.26	635,451.42	632,508.43	631,938.33	564,094.42	564,289.23	564,353.32	565,512.14	567,685.47	568,661.49	572,697.34	573,290.41	572,057.67	573,331.67	573,013.62	573,164.22	576,531.07	578,511.54	580,099.27	581,321.5	583,273.75	582,266.43	580,426.21	578,464.65
Federal government	1,605,596.93	1,605,133.81	1,606,487.28	1,608,648.66	1,606,668.48	1,605,849.26	1,599,454.73	1,578,035.94	1,574,803.45	1,572,751.63	1,573,310.16	1,556,885.09	1,546,074.29	1,545,278.43	1,542,520.79	1,540,289.24	1,539,518.38	1,537,563.84	1,538,342.69	1,517,974.18	1,515,654.7	1,512,333.15	1,515,690.85	1,503,708.7	1,488,279.26	1,484,905.9	1,483,347.56	1,486,783.13	1,488,624.63	1,486,585.54	1,486,602.05	1,462,189.99	1,462,359.6	1,462,000.28	1,463,066.99	1,456,889.27	1,485,388.17
Nonprofit and educational institutions	10,226.89	10,423.47	10,731.62	10,893.2	11,029.62	11,166.92	11,379.9	11,757.74	13,642.62	13,582.55	13,736.09	14,502.46	14,602.41	14,703.68	14,796.76	14,911.95	15,075.51	15,194.59	15,354.66	15,405.35	15,423.27	14,728.38	14,862.56	15,256.01	15,469.51	15,779.4	15,997.72	16,839.01	17,251.62	17,645.14	18,114.98	18,600.32	18,805.87	19,156.58	19,501.77	19,163.68	18,848.87
Of which, student loans		1,858,180.59			1,862,697.6			1,834,690.1			1,832,977.45			1,802,607.02			1,805,464.6			1,778,376.73			1,772,891.41			1,741,137.84			1,753,333.67			1,729,139.14			1,732,575.35
Of which, motor vehicle loans		1,574,750.49			1,559,740.62			1,562,179.9			1,560,732.93			1,560,787.62			1,555,165.59			1,564,316.81			1,562,252.41			1,557,390.77			1,550,274.04			1,550,726.63			1,547,708.47
Seasonally Adjusted2
Total consumer outstanding credit	5,186,204.07	5,168,141.71	5,153,586.64	5,151,608.49	5,131,428.8	5,110,389.03	5,103,211.6	5,098,820.89	5,083,079.48	5,079,764.68	5,071,963.3	5,059,270.19	5,056,652.31	5,044,179.05	5,048,450.21	5,038,646.32	5,022,633.7	4,958,507.58	4,956,486.55	4,948,059.37	5,066,243.61	5,071,852.9	5,058,345.12	5,055,767.38	5,046,177.03	5,026,364.84	5,024,841.22	5,016,163.86	5,014,899.7	5,015,270.95	5,002,466.54	4,988,225.92	4,993,202.32	4,969,075.88	4,955,832.26	4,946,748.73	4,959,786.57
Revolving outstanding credit (credit cards)	1,357,221.44	1,354,418.69	1,347,697.77	1,349,906.26	1,338,182.22	1,327,120.87	1,326,040.45	1,324,322.34	1,316,336.21	1,317,077.74	1,312,713.48	1,308,311.66	1,310,351.97	1,301,742.19	1,299,722.4	1,299,129.25	1,292,802.55	1,304,274.47	1,301,982.23	1,296,965.62	1,342,090.49	1,352,433.61	1,342,480.89	1,340,184.49	1,337,484.66	1,330,878.94	1,331,284.5	1,322,883.53	1,320,920.6	1,319,462.37	1,308,351.47	1,298,865.89	1,301,585.93	1,282,359.38	1,277,927.44	1,271,810.03	1,255,755.94

Latest reading

Total consumer outstanding credit stood at 5,137,926.97 USD million in Jul 2026. That is +0.3% from Jun 2026 and +2.6% from a year earlier. The series on this page is monthly and runs from Jan 1943 to Jul 2026. Source: FRED (Federal Reserve Bank of St. Louis).

Latest: 5,137,926.97 USD million; Jul 2026
vs previous period: +0.3%; Jun 2026
vs a year earlier: +2.6%

About this data

US monthly consumer credit outstanding, broken down by type and holder, from the Federal Reserve. Access historical data in USD million since 1943, covering revolving and non-revolving loans by various institutions. Figures are presented without seasonal adjustment.

Frequently asked questions

What does the US Consumer Outstanding Credit table measure?: The US Consumer Outstanding Credit table tracks the total amount of consumer credit extended in the United States, categorising it by loan type such as revolving and non-revolving, and by the holding institution.
How frequently is the US Consumer Outstanding Credit data published?: This table is updated on a monthly basis by the Federal Reserve, with historical series extending back to 1943 for ongoing US consumer debt analysis.
What specific breakdowns are available in this consumer credit table?: The table provides breakdowns by credit type, distinguishing between revolving credit like credit cards and non-revolving installment loans, as well as by holders including depository institutions, finance companies, credit unions, and the federal government.
How should the US Consumer Outstanding Credit figures be interpreted?: The figures represent total outstanding balances in USD million as reported by the Federal Reserve. These specific series are not seasonally adjusted, reflecting the raw credit amounts held across sectors in the United States.