This Note examines the non-mortgage consumer credit market in Ireland, which represents just over one-tenth of all household credit in Ireland. Consumer credit has trended upwards since 2016, within a context of overall deleveraging in the household sector. Consumer credit is characterised by smaller amounts, more diverse purposes and a broader range of lenders than the mortgage market. While banks continue to have a large share of outstanding consumer credit, credit unions,
collectively, are the main lender for personal loan products.

The CBI Notes can be read here