UK consumer credit growth remains at its lowest level in 4 months.
Net borrowing by individuals from consumer loans in the UK stood at £1.49 billion in September 2025. This was the lowest since May, down from an upwardly revised £1.75 billion in August. Net borrowing through other forms of consumer credit, such as car dealer financing and personal loans, fell to £0.8 billion in September from 1.0 billion pounds last month. Meanwhile, net credit card borrowing was up £0.7 billion compared to August. The annual growth rate of all consumer loans increased slightly, from 7.2% in August to 7.3% in September. During the same period, the annual growth rate of credit card borrowing increased from 10.5% to 10.8%, while the annual growth rate of other forms of consumer credit decreased slightly, from 5.8% to 5.7%.
