consumer credit

from The American Heritage® Dictionary of the English Language, 5th Edition.

• noun Credit granted to a consumer permitting the use or ownership of goods or services during a term of payment.

from Wiktionary, Creative Commons Attribution/Share-Alike License.

• noun banking, economics Credit extended to an individual for the purchase of consumer goods and services.

from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.

• noun a line of credit extended for personal or household use