MarketXLS

Total Consumer Credit 5.167T for 

Total Consumer Credit came in at 5.167T for Jun 2026, up 0.28% from 5.153T the prior month and 2.43% above its level of 5.044T one year ago. The series has averaged 1.258T since 1943, reaching a record high of 5.167T in June 2026 and a record low of 5.354B in February 1944.

Source: Federal Reserve Economic Data (FRED), St. Louis Fed

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Cite this data: "Total Consumer Credit," MarketXLS. Data from Federal Reserve Economic Data (FRED), St. Louis Fed. marketxls.com/indicators/consumer-credit

Historical Data

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June 1, 20265.167T
May 1, 20265.153T
April 1, 20265.154T
March 1, 20265.134T
February 1, 20265.111T
January 1, 20265.104T
December 1, 20255.099T
November 1, 20255.084T
October 1, 20255.08T
September 1, 20255.073T
August 1, 20255.059T
July 1, 20255.057T
June 1, 20255.044T
May 1, 20255.049T
April 1, 20255.039T
March 1, 20255.023T
February 1, 20254.958T
January 1, 20254.956T
December 1, 20244.948T
November 1, 20245.066T
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⋮
September 1, 1984498B
August 1, 1984494B
July 1, 1984487B
June 1, 1984481B
May 1, 1984472B
April 1, 1984462B
March 1, 1984457B
February 1, 1984452B
January 1, 1984442B
December 1, 1983437B
November 1, 1983430B
October 1, 1983424B
September 1, 1983418B
August 1, 1983414B
July 1, 1983409B
June 1, 1983405B
May 1, 1983400B
April 1, 1983398B
March 1, 1983396B
February 1, 1983392B

About Total Consumer Credit

What it measures

Total Consumer Credit Outstanding (FRED series TOTALSL) measures household borrowing excluding loans secured by real estate, covering revolving credit such as credit cards and nonrevolving credit such as auto and student loans. The Federal Reserve publishes it monthly in the G.19 statistical release, seasonally adjusted in billions of dollars, aggregating balances across banks, finance companies, credit unions, and the federal government.

Why it matters

Consumer credit shows how much household spending is financed by borrowing rather than income, a key sustainability question for the consumption-driven US economy. Accelerating revolving credit can indicate either confident spending or households straining to cover essentials, and the distinction matters for retail and lender outlooks. Credit analysts pair the series with delinquency data to assess consumer health, while its growth rate feeds models of future spending capacity.

How to read it

Split the two components: revolving credit reacts quickly to spending behavior and financial stress, while nonrevolving balances move slowly with auto sales and education finance, and student loans give the federal government an outsized presence. Compare credit growth to income growth; borrowing persistently outpacing income is unsustainable. Monthly changes are volatile and revised, so multi-month trends and year-over-year rates are the reliable reading.

Get Total Consumer Credit in Excel

Pull Total Consumer Credit directly into your spreadsheet with a single MarketXLS formula - always current, no copy-pasting:

=ConsumerCreditOutstanding()

View the Consumer Credit Outstanding formula documentation or browse all 100+ Economic Data functions.

Frequently Asked Questions

What is the current Total Consumer Credit?

Total Consumer Credit is 5.167T as of June 2026.

What is the all-time high and low of Total Consumer Credit?

The highest value on record is 5.167T (June 2026) and the lowest is 5.354B (February 1944).

How often is Total Consumer Credit updated?

Total Consumer Credit is published on a monthly basis, sourced from Federal Reserve Economic Data (FRED).

How do I get Total Consumer Credit in Excel?

Use the MarketXLS Excel formula =ConsumerCreditOutstanding() to pull Total Consumer Credit directly into any cell, with historical values available for analysis.

Basic info
Consumer credit is personal debt taken on to purchase goods and services.
RegionUnited States
FrequencyMonthly
Last updatedAugust 7, 2026
Seasonal adjustmentSeasonally Adjusted
UnitMillions of U.S. Dollars

Stats
Last Value5.167T
Latest PeriodJun 2026
Last UpdatedAugust 7 2026, 02:01
Value Previous Month5.153T
Change From Previous Month0.28%
Value 1 Year Ago5.044T
Change From Year Ago2.43%
Average Growth Rate8.32%/yr
Record High (Jun 2026)5.167T
Record Low (Feb 1944)5.354B
Long-Term Average1.258T
FrequencyMonthly
AdjustmentSeasonally Adjusted
UnitMillions of U.S. Dollars

Annual Averages
20265.137T
20255.043T
20245.029T
20234.94T
20224.703T
20214.342T
20204.133T
20194.107T
20183.923T
20173.74T
20163.533T
20153.419T

Related Indicators
Industrial Production: Total Index
Capacity Utilization: Total Index
Total Business Inventories
Advance Real Retail and Food Services Sales
US Light Vehicle Sales
Durable Goods Orders
Core Capital Goods Orders
Commercial and Industrial Loans
Corporate Profits After Tax
Housing Starts
Building Permits
Housing Units Under Construction
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