Consumer credit keeps growing through the first half of 2026

Demand for personal loans rose again in the first half of 2026, continuing a trend from recent years as households turn to instalment credit for planned purchases and shorter-term needs.

The banking sector has kept its lending standards broadly steady, so the growth mostly reflects more applications rather than looser approval criteria — good news for borrowers who shop around and compare terms carefully.

If you're considering a loan this year, the underlying trend doesn't change the basics: borrow only what fits your budget, and compare the total cost across providers, not just the headline rate.

This is general educational information, not personal financial advice or a credit offer.

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