South Africa’s private sector credit advanced 8.74% year-on-year in December 2025, following a 7.79% rise in the previous month, and marking the fastest pace of growth since October 2022. Meanwhile, the broadly defined M3 measure of money supply rose 8.16% to a fresh record high of ZAR 5,882,466 million in December 2025 from 8.26% increase in the previous month. source: South African Reserve Bank

Private Sector Credit in South Africa increased to 8.74 percent in December from 7.79 percent in November of 2025. Private Sector Credit in South Africa averaged 12.74 percent from 1966 until 2025, reaching an all time high of 35.88 percent in July of 1981 and a record low of -2.35 percent in May of 1966. This page provides the latest reported value for - South Africa Private Sector Credit - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. South Africa Private Sector Credit - data, historical chart, forecasts and calendar of releases - was last updated on February of 2026.

Private Sector Credit in South Africa increased to 8.74 percent in December from 7.79 percent in November of 2025. Private Sector Credit in South Africa is expected to be 6.80 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the South Africa Private Sector Credit is projected to trend around 5.40 percent in 2027, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2025-12-31 06:00 AM
Private Sector Credit YoY
Nov 7.79% 7.26% 7.4%
2026-01-30 06:00 AM
Private Sector Credit YoY
Dec 8.74% 7.79% 8.0%
2026-02-27 06:00 AM
Private Sector Credit YoY
Jan 8.74%


Related Last Previous Unit Reference
Prime Overdraft Rate 10.25 10.25 percent Jan 2026
Consumer Spending 3225073.08 3203325.93 ZAR Million Sep 2025
Disposable Personal Income 5014296.00 49047651.00 ZAR Million Sep 2025
Households Debt to Income 62.50 62.40 percent Dec 2024
Private Sector Credit YoY 8.74 7.79 percent Dec 2025


South Africa Private Sector Credit
Private sector credit measures year over year change in the bank lending to domestic private sector.
Actual Previous Highest Lowest Dates Unit Frequency
8.74 7.79 35.88 -2.35 1966 - 2025 percent Monthly

News Stream
South Africa Private Sector Credit Growth Hits Three-Year High
South Africa’s private sector credit advanced 8.74% year-on-year in December 2025, following a 7.79% rise in the previous month, and marking the fastest pace of growth since October 2022. Meanwhile, the broadly defined M3 measure of money supply rose 8.16% to a fresh record high of ZAR 5,882,466 million in December 2025 from 8.26% increase in the previous month.
2026-01-30
South Africa Private Credit Rises to Highest Since 2023
South Africa’s private sector credit expanded by 7.79% year-on-year in November 2025, after a 7.26% rise in the previous month. This was the highest growth since February 2023. Meanwhile, the broadly defined M3 measure of money supply rose by 8.26% to a fresh record high of ZAR 5,845,499 million, following a 7.52% increase in October.
2025-12-31
South Africa Private Credit Growth Accelerates
South Africa’s private sector credit rose by 7.26% year-on-year in October 2025, following a 6.03% increase in the previous month. This was the highest growth since February 2023. Meanwhile, the broadly defined M3 measure of money supply increased by 7.52% to a new all-time high of ZAR 5,783,956 million, following a 6.07% rise in September.
2025-11-28