Net borrowing of consumer credit by individuals in the UK was at £1.49 billion in September 2025, the lowest level since May, down from an upwardly revised £1.75 billion in August. Net borrowing through other forms of consumer credit, such as car dealership finance and personal loans, decreased to £0.8 billion in September, from £1.0 billion in the previous month. Meanwhile, net borrowing through credit cards was little changed when compared to August at £0.7 billion. The annual growth rate for all consumer credit rose slightly, to 7.3% in September from 7.2% in August. Over the same period, the annual growth rate for credit card borrowing increased to 10.8% from 10.5%, while the annual growth rate for other forms of consumer credit decreased slightly, to 5.7% from 5.8%.

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