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What South Africans Owe: Consumer Credit Data (Q4 2025)

How much debt do South Africans carry?
South Africans collectively owe about R2.2 trillion in consumer credit (NCR, Q4 2025). Over half of that is home loans. About 1 in 5 personal loans is more than 3 months behind on payments — compared to roughly 1 in 17 home loans.

Where SA's R2.2 trillion in consumer debt sits

Home loans make up over half of all consumer credit. Source: NCR Consumer Credit Market Report, Q4 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, Q4 2025.

How often loans fall behind on payments

Percentage of accounts where no payment has been received for 3 or more consecutive months (NCR definition).

Below 10% 10–15% Above 15%

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, Q4 2025.

Methodology note

Data is sourced from the NCR Consumer Credit Market Report, published quarterly with approximately a 3-month lag. The figures shown are for Q4 2025.

"Arrears" means accounts where no payment has been received for 3 or more consecutive months (NCR definition).

Figures represent outstanding balances at end of reporting period, not new originations in the quarter.

This data is hardcoded and updated by the SA Loan Calculator team after each NCR quarterly release.

Frequently asked questions

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Credit statistics are sourced from the NCR Consumer Credit Market Report and updated after each quarterly release. Figures reflect outstanding balances at end of reporting period. This site provides educational information only — not financial advice.