Net borrowing of consumer credit by UK individuals fell to GBP 1.9 billion in September 2026, down from an upwardly revised GBP 2.7 billion in August and below market expectations of GBP 2.2 billion. The figure also came in below the previous six-month average of GBP 2.1 billion. Credit card borrowing declined to GBP 0.7 billion from GBP 1.3 billion in August, while net borrowing through other forms of consumer credit, including car dealership finance and personal loans, eased to GBP 1.2 billion from GBP 1.4 billion. Despite the monthly slowdown, the annual growth rate of total consumer credit edged up to 9.8% from 9.7%. Credit card borrowing growth moderated to 13.1% from 13.3%, while growth in other consumer credit accelerated slightly to 8.3% from 8.1%.