Nonrevolving Consumer Credit Owned and Securitized
NONREVSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3,757,647.43
Year-over-Year Change
1.61%
Date Range
1/1/1943 - 6/1/2025
Summary
Nonrevolving Consumer Credit Owned and Securitized tracks the total outstanding non-credit card consumer loans held by financial institutions. This metric provides critical insight into consumer borrowing patterns for major purchases like automobiles, education, and personal loans.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator represents the aggregate value of installment loans that are not revolving credit lines, reflecting consumer financial behavior and economic confidence. Economists analyze this trend to understand consumer spending capacity, credit market health, and potential economic growth signals.
Methodology
The Federal Reserve collects this data through comprehensive surveys and reporting from financial institutions, aggregating loan balances across various lending sectors.
Historical Context
Policymakers and financial analysts use this trend to assess consumer financial health, potential economic stimulus needs, and credit market dynamics.
Key Facts
- Represents total non-revolving credit held by financial institutions
- Includes loans for automobiles, education, and personal expenses
- Serves as a key indicator of consumer financial behavior
FAQs
Q: What types of loans are included in nonrevolving credit?
A: Nonrevolving credit includes installment loans like auto loans, student loans, personal loans, and other fixed-term credit arrangements.
Q: How does nonrevolving credit differ from credit card debt?
A: Unlike credit cards, nonrevolving loans have fixed payment terms and predetermined repayment schedules with set interest rates.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing current insights into consumer credit trends.
Q: Why do economists track nonrevolving consumer credit?
A: This metric helps assess consumer spending power, economic confidence, and potential future economic growth or contraction.
Q: What are potential limitations of this data?
A: The data may not capture all informal lending or emerging alternative credit sources, potentially understating total consumer credit.
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Citation
U.S. Federal Reserve, Nonrevolving Consumer Credit Owned and Securitized [NONREVSL], retrieved from FRED.
Last Checked: 8/1/2025