Name: Germany Consumer Credit
Creator: TRADING ECONOMICS
License: https://creativecommons.org/licenses/by/4.0/
Keywords: Germany,Consumer Credit,data,chart,actual,historical,values,calendar,forecast,graph,2025,2026,2027

Consumer Credit in Germany decreased to 237345 EUR Million in the fourth quarter of 2025 from 238008 EUR Million in the third quarter of 2025. Consumer Credit in Germany averaged 202369.65 EUR Million from 1968 until 2025, reaching an all time high of 423705.00 EUR Million in the fourth quarter of 1998 and a record low of 21369.00 EUR Million in the fourth quarter of 1968. source: Deutsche Bundesbank

Consumer Credit in Germany is expected to be 235662.00 EUR Million by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Germany Consumer Credit is projected to trend around 242353.00 EUR Million in 2027 and 244776.00 EUR Million in 2028, according to our econometric models.

Related	Last	Previous	Unit	Reference
Bank Interest Rate	3.93	3.97	percent	Jan 2026
GfK Consumer Confidence	-24.70	-24.20	points	Mar 2026
Consumer Credit	237345.00	238008.00	EUR Million	Dec 2025
Consumer Spending	484.81	482.32	EUR Billion	Dec 2025
Disposable Personal Income	670.87	668.06	EUR Billion	Dec 2025
Gasoline Prices	2.18	2.19	USD/Liter	Feb 2026
Households Debt to GDP	49.10	49.20	percent of GDP	Sep 2025
Households Debt to Income	75.29	77.75	percent	Dec 2024
Personal Savings	10.30	10.50	percent	Dec 2025
Private Sector Credit	3869100.00	3880700.00	EUR Million	Dec 2025
Retail Sales MoM	-0.90	1.20	percent	Jan 2026
Retail Sales YoY	1.20	1.50	percent	Jan 2026

Germany Consumer Credit

In Germany, consumer credit refers to loans granted to households for personal use in consumption. These include items such as loans granted for the purpose of purchasing motor vehicles, furniture, household appliances, radios/televisions or computers, or loans to finance holidays.