South Africa consumer credit tracker
The NCR reports the consumer credit book, credit granted, applications and arrears each quarter. This page charts and tables the figures since December 2007 and updates with each new report.
Figures run to the quarter ending June 2026, from the NCR's Consumer Credit Market Report.
Figures for the quarter ending June 2026
Gross debtors book
R2,562.1bn
+1.0% on the quarter before
+5.1% on a year earlier
Credit granted
R165.3bn
−0.5% on the quarter before
+5.9% on a year earlier
Applications received
20.1m
67.7% of them rejected
−1.5% on the quarter before
+8.8% on a year earlier
120 days or more in arrears
R197.3bn
−0.4% on the quarter before
−0.9% on a year earlier
Gross debtors book by credit type
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Book 120 days or more in arrears by credit type
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Applications received and share rejected
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Credit by type for the quarter ending June 2026
| Credit type | Gross debtors book | Change on a year earlier | Credit granted | Share 30 to 90 days | Share 120 days or more |
|---|---|---|---|---|---|
| Mortgages | R1,312.1bn | +3.2% | R52.2bn | 5.7% | 6.6% |
| Secured credit | R597.0bn | +10.3% | R55.7bn | 8.4% | 3.8% |
| Credit facilities | R371.1bn | +6.1% | R25.4bn | 6.6% | 12.0% |
| Unsecured credit | R213.2bn | +1.4% | R27.8bn | 8.3% | 18.4% |
| Developmental credit | R65.4bn | +3.3% | R0.4bn | 3.2% | 6.9% |
| Short-term credit | R3.2bn | +5.6% | R3.8bn | 17.1% | 13.1% |
| Total | R2,562.1bn | +5.1% | R165.3bn | 6.7% | 7.7% |
How figures are made
The figures come from the NCR's Consumer Credit Market Report and its web dataset, based on form 39 returns credit providers submit under the National Credit Act. They cover consumer credit and agreements with juristic persons with turnover or net assets under R1 million.
The 30 to 90 day arrears figure adds the 30-day, 31-to-60-day and 61-to-90-day buckets in the NCR's age analysis. Each share is by value against that credit type's book, and each quarter is named for its last month.
The page is updated when the NCR publishes its next report. The figures are the NCR's as published.
Read the March 2026 report analysis and use the NCA affordability calculator for South African credit providers.
NCA credit types
Each page below gives one credit type’s definition under the National Credit Regulations, its caps and the caps as decision table cells.
- Unsecured credit transaction caps under the NCA
- NCA short-term credit transaction and its caps
- Credit facility under the NCA and its caps
- NCA mortgage agreement definition and caps
- Developmental credit agreement caps under the NCA
- Other credit agreements and their NCA caps
- NCA caps for incidental credit agreements
Questions we get asked
Where do South Africa's consumer credit statistics come from?
The NCR's Consumer Credit Market Report is based on form 39 returns submitted by credit providers under the National Credit Act. It also includes agreements with smaller juristic persons.
How often does the NCR publish its Consumer Credit Market Report?
The report is published quarterly from form 39 returns. Larger providers submit returns quarterly, and smaller providers submit once a year.
What does the gross debtors book mean?
It is the gross amount owed on consumer credit agreements at the end of the quarter. The figure is shown by credit type.
What does 120 days in arrears mean in the NCR figures?
It is the money on accounts 120 days or more in arrears. This is the oldest of the NCR's age buckets, shown as a share of each credit type's book.