Consumer credits are credits used to purchase goods or services, or to refinance debts incurred for such purposes. Precisely because they are approved for a precisely defined purpose, they belong to non-purpose credits. This type of non-purpose credit is offered, for example, by banks in order to enable consumers to buy goods or repay the cost in a certain period of time with interest included. This type of credit has great economic significance because it gives the consumer the opportunity to spend beyond his means which ultimately results in an increase in domestic demand. We can conclude that in situations where we do not have enough financial resources, we can apply for a credit. The analysis of consumer lending in the Republic of Croatia shows thattotal credits to households are declining due to the global crisis that spilled over intothe Croatian economyin 2008 and the subsequent recovery. The most significant items of creditss are housing credits, which recorded a decline until 2017, followed by their growth, and non-purpose cash credits, which recorded growth during the observed period. The share of credits to households in total bank credits grew throughout the observed period. Looking at interest rates, we found that average lending interest rates decreased except in 2007, 2008 and 2009, and that credits became cheaper and more accessible to consumers.