Consumer Credit in Japan increased to 57202.60 JPY Billion in the third quarter of 2025 from 56452.60 JPY Billion in the second quarter of 2025. Consumer Credit in Japan averaged 45352.45 JPY Billion from 1997 until 2025, reaching an all time high of 62768.30 JPY Billion in the first quarter of 2006 and a record low of 36370.90 JPY Billion in the fourth quarter of 2012. source: Bank of Japan

Consumer Credit in Japan is expected to be 56351.00 JPY Billion by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Japan Consumer Credit is projected to trend around 58294.00 JPY Billion in 2027 and 58994.00 JPY Billion in 2028, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 2.75 2.60 percent Jan 2026
Consumer Confidence 37.90 37.20 points Jan 2026
Consumer Credit 57202.60 56452.60 JPY Billion Sep 2025
GDP Private Consumption 309442.20 309116.20 JPY Billion Dec 2025
Disposable Personal Income 1010.41 425.50 JPY Thousand Dec 2025
Gasoline Prices 1.02 1.01 USD/Liter Jan 2026
Household Spending YoY -2.60 2.90 percent Dec 2025
Household Spending MoM -2.90 6.20 percent Dec 2025
Households Debt to GDP 64.00 64.50 percent of GDP Jun 2025
Personal Savings 0.40 0.40 percent Sep 2025
Retail Sales MoM -2.00 0.70 percent Dec 2025
Retail Sales YoY -0.90 1.10 percent Dec 2025


Japan Consumer Credit
In Japan, consumer credit refers to loans extended by private financial institutions to households.
Actual Previous Highest Lowest Dates Unit Frequency
57202.60 56452.60 62768.30 36370.90 1997 - 2025 JPY Billion Quarterly
Current Prices, NSA