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Consumer loans

A consumer loan reflects the volume of credit cards, private loans, and instalment purchases used by Americans. It is a consumer demand indicator. It is an important indicator as it shows that consumers are not afraid to run into debt to satisfy their material needs. However, these figures are often revised and have considerable seasonal fluctuations. For example, the value of a consumer loan increases ahead of Christmas and New Year’s Eve. The reading has limited influence on the market. The growth of its value has a positive influence on the rate of a national currency and is a positive factor for a national economy. The index is published at 3:00 pm EST and New York Time on the 7th of every month.

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