What South Africans Owe: Consumer Credit Data (Q2 2025)
Where SA's R2.4 trillion in consumer debt sits
Home loans make up over half of all consumer credit. Source: NCR Consumer Credit Market Report, Q2 2025.
Typical loan size by type
How does your loan compare to the SA average?
These are average outstanding balances — what people still owe, not what they originally borrowed. Source: NCR Consumer Credit Market Report, Q2 2025.
How often loans fall behind on payments
Percentage of accounts more than 90 days (3+ months) overdue — derived from the age-analysis tables in the NCR report.
Nearly 1 in 5 personal loans is over 3 months overdue — more than three times the rate for home loans.
Source: NCR Consumer Credit Market Report, Q2 2025.
Methodology note
Figures are transcribed from the actual published NCR Consumer Credit Market Report PDF (Q2 2025 — the most recent report the NCR has published; the CCMR appears with a long lag). Every number is traceable to a specific table in the report; the transcription record is kept alongside the site's source data.
Categories are the NCR's own six credit types, shown with plain-language labels: "Vehicle & other secured" is the NCR's "Secured credit" (about 92% of it is vehicle finance), and "Cards & overdrafts" is the NCR's "Credit facilities" (credit cards, store cards, and overdrafts).
"Arrears" here means the share of accounts more than 90 days (3+ months) overdue, derived from the report's age-analysis tables.
Figures represent outstanding balances at end of reporting period, not new originations in the quarter. Short-term credit reflects only quarterly-reporting lenders (NCR caveat).
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