FX.co ★ US Consumer Credit Rises Much more than Expected in December

In December 2025, total US consumer credit saw a significant rise of $24.05 billion, marking a substantial leap from the revised increase of $4.70 billion in November and surpassing market predictions of an $8 billion upswing. This growth translates to an approximate annual rate increase of 5.7%. Specifically, revolving credit experienced a surge of $13.85 billion in December, contrasting with a decline of $1.69 billion in November. Meanwhile, nonrevolving credit, encompassing categories such as auto and student loans, increased by $10.20 billion in December, following a $6.38 billion rise in the preceding month.