This indicator measures the net amount of credit extended to individuals for consumption, excluding mortgages. It includes credit card lending and personal loans, serving as a key gauge of consumer confidence and spending appetite. High levels of consumer credit often precede increased retail sales and overall economic expansion, but can also signal rising household debt risks.
Calculated by the Bank of England based on monthly returns from banks and building societies, representing the net flow of lending to individuals.
| Date | Actual | Forecast | Surprise |
|---|---|---|---|
| Mar 6, 2026 | 8.05 | 12.40 | -4.35 |
| Feb 6, 2026 | 24.05 | 9.00 | +15.05 |
| Jan 8, 2026 | 4.23 | 10.10 | -5.87 |
| Dec 5, 2025 | 9.18 | 11.80 | -2.62 |
| Nov 7, 2025 | 13.09 | 10.40 | +2.69 |
| Oct 7, 2025 | 0.36 | 12.90 | -12.54 |
| Sep 8, 2025 | 16.01 | 10.40 | +5.61 |
| Aug 7, 2025 | 7.37 | 7.40 | -0.03 |
| Jul 8, 2025 | 5.10 | 10.40 | -5.30 |
| Jun 6, 2025 | 17.87 | 11.30 | +6.57 |
| May 7, 2025 | 10.17 | 9.80 | +0.37 |
| Apr 7, 2025 | -0.81 | 15.20 | -16.01 |
| Mar 7, 2025 | 18.08 | 15.60 | +2.48 |
| Feb 7, 2025 | 40.85 | 17.70 | +23.15 |
| Jan 8, 2025 | -7.49 | 10.30 | -17.79 |
| Dec 6, 2024 | 19.24 | 10.10 | +9.14 |
| Nov 7, 2024 | 6.00 | 12.20 | -6.20 |
| Oct 7, 2024 | 8.93 | 11.80 | -2.87 |
| Jun 7, 2024 | 6.40 | 9.30 | -2.90 |
| May 7, 2024 | 6.27 | 14.80 | -8.53 |
| Apr 5, 2024 | 14.12 | 16.20 | -2.08 |
| Feb 7, 2024 | 1.56 | 14.90 | -13.34 |
