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815. Consumer Credit Outstanding and Finance Rates

[In millions of dollars, except percent (5,463 represents $5,463,000,000). Estimated amounts of seasonally adjusted credit outstanding as of end of year; finance rates, annual averages]

 
Type of credit 1 Type of holder 3
-
Year Commercial Finance Credit Savings Nonfinancial Pools of
Total Revolving Nonrevolving 2 Total banks companies unions institutions business securitized
assets 4
 
1943 5,463 (NA) 5,463 5,663 1,704 763 15 340 2,841 (NA)
1944 5,586 (NA) 5,586 5,787 1,790 799 15 262 2,921 (NA)
1945 6,567 (NA) 6,567 6,800 2,237 910 16 264 3,373 (NA)
1946 9,444 (NA) 9,444 9,777 3,844 1,494 29 420 3,990 (NA)
1947 12,856 (NA) 12,856 13,298 5,425 2,359 50 564 4,900 (NA)
1948 15,803 (NA) 15,803 16,332 6,563 3,206 78 678 5,807 (NA)
1949 18,772 (NA) 18,772 19,374 7,739 4,305 159 728 6,443 (NA)
1950 23,229 (NA) 23,229 23,947 9,736 5,315 254 904 7,738 (NA)
1951 24,628 (NA) 24,628 25,350 10,049 5,601 307 922 8,471 (NA)
1952 29,686 (NA) 29,686 30,522 12,255 7,057 559 930 9,721 (NA)
1953 33,697 (NA) 33,697 34,614 14,012 8,624 877 994 10,107 (NA)
1954 35,028 (NA) 35,028 35,963 14,274 9,063 1,083 1,090 10,453 (NA)
1955 41,869 (NA) 41,869 42,949 17,190 11,838 1,328 1,350 11,243 (NA)
1956 45,448 (NA) 45,448 46,580 18,861 12,726 1,651 1,516 11,826 (NA)
1957 48,078 (NA) 48,078 49,217 20,232 13,234 2,102 1,592 12,057 (NA)
1958 48,394 (NA) 48,394 49,490 20,711 12,318 2,342 1,798 12,321 (NA)
1959 56,011 (NA) 56,011 57,213 24,180 14,058 2,873 2,120 13,982 (NA)
1960 60,025 (NA) 60,025 61,248 26,423 15,435 3,447 2,438 13,505 (NA)
1961 62,249 (NA) 62,249 63,435 27,869 15,508 3,627 2,858 13,573 (NA)
1962 68,127 (NA) 68,127 69,344 30,563 17,349 4,103 3,034 14,295 (NA)
1963 76,581 (NA) 76,581 77,870 34,677 19,557 4,546 3,584 15,506 (NA)
1964 85,960 (NA) 85,960 87,352 39,765 21,641 5,437 3,670 16,839 (NA)
1965 95,955 (NA) 95,955 97,489 45,212 23,851 6,478 3,858 18,090 (NA)
1966 101,788 (NA) 101,788 103,422 48,182 24,796 7,454 3,968 19,022 (NA)
1967 106,843 (NA) 106,843 108,567 51,691 24,576 8,287 4,132 19,881 (NA)
1968 117,380 2,022 115,358 119,324 58,464 26,074 9,731 4,284 20,771 (NA)
1969 127,114 3,563 123,551 129,231 63,395 27,846 11,704 4,412 21,874 (NA)
1970 131,492 4,902 126,590 133,660 65,625 27,580 12,986 4,444 23,025 (NA)
1971 146,938 8,253 138,685 149,243 74,325 29,224 14,770 4,678 26,246 (NA)
1972 166,202 9,392 156,810 168,757 87,001 31,893 16,964 5,148 27,751 (NA)
1973 190,063 11,319 178,744 192,980 99,620 35,359 19,633 8,522 29,846 (NA)
1974 198,910 13,233 185,677 201,926 102,989 36,087 21,895 9,133 31,822 (NA)
1975 204,015 14,508 189,507 206,996 106,055 32,570 25,666 10,096 32,609 (NA)
1976 225,829 16,596 209,233 228,961 118,043 33,704 31,169 10,827 35,218 (NA)
1977 259,328 36,689 222,639 264,377 140,302 37,314 37,605 11,760 37,396 (NA)
1978 304,705 45,202 259,503 310,390 166,512 44,448 45,172 13,090 41,168 (NA)
1979 346,858 53,357 293,501 353,111 185,725 55,445 47,388 19,993 44,560 (NA)
1980 349,445 55,111 294,334 355,405 180,215 62,248 44,055 22,652 46,235 (NA)
1981 366,659 61,070 305,589 373,056 184,193 70,070 46,714 23,986 48,093 (NA)
1982 383,596 66,454 317,142 390,305 190,932 75,271 48,814 26,554 48,734 (NA)
1983 432,588 79,088 353,499 440,297 213,663 83,310 56,119 31,489 55,716 (NA)
1984 511,721 100,355 411,366 521,011 258,844 89,883 67,866 44,226 60,192 (NA)
1985 593,244 124,742 468,502 603,775 297,227 111,656 74,014 57,621 63,257 (NA)
1986 646,758 141,186 505,572 658,181 320,187 134,002 77,075 62,913 64,004 (NA)
1987 676,384 160,884 515,500 688,597 334,090 140,025 81,028 65,335 68,119 (NA)
1988 718,797 184,568 534,230 732,004 360,816 144,677 88,340 66,753 71,419 (NA)
1989 778,772 211,175 567,597 793,256 383,309 138,858 91,654 62,531 69,569 47,335
1990 789,323 238,590 550,733 805,148 381,982 133,394 91,597 49,646 71,866 76,663
1991 777,402 263,735 513,667 794,477 370,176 121,563 90,302 42,161 67,318 102,957
1992 782,483 278,416 504,067 800,596 362,901 118,052 91,694 37,357 70,315 120,277
1993 839,165 309,958 529,207 859,011 395,704 116,134 101,634 37,855 77,229 130,455
1994 960,749 365,618 595,131 983,933 458,777 134,421 119,594 38,468 86,621 146,052
1995 1,096,007 443,196 652,811 1,122,828 501,963 152,123 131,939 40,106 85,061 211,636
1996 1,182,439 499,532 682,907 1,211,590 526,769 152,391 144,148 44,711 77,745 265,826
1997 1,234,122 531,295 702,828 1,264,103 512,563 160,022 152,362 47,172 78,927 313,057
1998 1,300,491 560,653 739,838 1,331,742 508,932 168,491 155,406 51,611 74,877 372,425
1999 1,395,406 595,964 799,442 1,428,519 499,758 181,573 170,284 61,527 80,316 435,061
 
   TYPE OF CREDIT 1975 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987
 
FINANCE RATES (percent)
Commercial banks:
  New automobiles (48 months) 5 11.36 11.02 12.02 14.32 16.54 16.83 13.92 13.71 12.91 11.33 10.45
  Other consumer goods (24 months) 13.08 13.19 13.85 15.48 18.09 18.65 16.68 16.47 15.94 14.83 14.23
  Credit-card plans 17.16 17.03 17.03 17.31 17.78 18.51 18.78 18.77 18.69 18.26 17.93
 
Finance companies:
  New automobiles 13.12 13.15 13.51 14.82 16.17 16.15 12.58 14.62 11.98 9.41 10.74
  Used automobiles 17.63 17.67 17.98 19.10 20.00 20.75 18.74 17.85 17.58 15.94 14.61


NA Not available.
1 Seasonally adjusted.
2 Comprises automobile loans and all other loans not included in revolving credit, such as loans for mobile homes, trailers, or vacations. These loans may be secured or unsecured.
3 Not seasonally adjusted.
4 Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of the loan originators.
5 Prior to 1983, maturities were 36 months for new car loans.

Source: Board of Governors of the Federal Reserve System, "Federal Reserve Statistical Release G.19 Historical Data;" released March 7, 2000; and .

http://www.federalreserve.gov/rnd.htm



https://allcountries.org/uscensus/815_consumer_credit_outstanding_and_finance_rates.html

These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.

Copyright © 2006 Photius Coutsoukis and Information Technology Associates, all rights reserved.