Total US consumer credit rose by $4.23 billion in November 2025, following an upwardly revised $9.18 billion gain in October and below market expectations of a $10 billion increase. It is equivalent to an increase of 1.0% at an annual rate. Revolving credit decreased at an annual rate of 1.9% or $2.10 billion, following a $5.41 billion increase in October. Nonrevolving credit, which includes auto and student loans, went up 2.0% or $6.30 billion, following a $3.77 billion gain in the previous month.