Total US consumer credit rose by $24.05 billion in December 2025, following an upwardly revised $4.70 billion gain in November and way above market expectations of an $8 billion increase. It is equivalent to an increase of about 5.7% at an annual rate. Revolving credit increased by $13.85 billion in December, after decreasing $1.69 billion in November. Nonrevolving credit, which includes auto and student loans, rose $10.20 billion in December, following a $6.38 billion gain in the previous month.