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The impulse endpoint returns the credit impulse — the change in the growth rate over the last six and twelve months — a leading read on whether the credit cycle is turning up (acceleration) or rolling over (deceleration). The series endpoint returns the recent monthly history of any one indicator. This is the euro-area credit-cycle / lending-volume macro cut — distinct from the bank-rate (price of credit), money-supply, policy-rate, yield-curve and FX APIs in the catalogue. 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Positive = the credit cycle is turning up (a leading indicator for activity); negative = rolling over.","count":4,"source":"ECB","impulse":[{"label":"Loans to households (MFIs), annual growth","period":"2026-04","direction":"accelerating","indicator":"households_total","growth_pct":2.94,"impulse_6m":0.33,"impulse_12m":1.25},{"label":"Lending for house purchase to households, annual growth","period":"2026-04","direction":"accelerating","indicator":"house_purchase","growth_pct":2.93,"impulse_6m":0.35,"impulse_12m":1.28},{"label":"Consumer credit to households, annual growth","period":"2026-04","direction":"stable","indicator":"consumer_credit","growth_pct":5.25,"impulse_6m":0.06,"impulse_12m":1.2},{"label":"Loans to non-financial corporations (MFIs), annual growth","period":"2026-04","direction":"accelerating","indicator":"businesses","growth_pct":3.46,"impulse_6m":0.6,"impulse_12m":0.95}],"category":"credit impulse (change in growth rate)"},"meta":{"timestamp":"2026-06-12T10:35:47.981Z","request_id":"030bc4e4-4614-4a47-a8e4-acb898bb169d"},"status":"ok","message":"Impulse retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/series":{"get":{"operationId":"get_v1_series","tags":["Credit"],"summary":"Recent monthly history of one indicator","description":"","parameters":[{"name":"indicator","in":"query","required":true,"description":"Indicator id","schema":{"type":"string"},"example":"households_total"},{"name":"months","in":"query","required":false,"description":"Months of history (1-240, default 24)","schema":{"type":"string"},"example":"24"}],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"unit":"percent","count":24,"label":"Loans to households (MFIs), annual growth","source":"ECB","history":[{"value":0.3035,"period":"2024-05"},{"value":0.3044,"period":"2024-06"},{"value":0.3911,"period":"2024-07"},{"value":0.4924,"period":"2024-08"},{"value":0.582,"period":"2024-09"},{"value":0.4483,"period":"2024-10"},{"value":0.4973,"period":"2024-11"},{"value":0.6811,"period":"2024-12"},{"value":1.2086,"period":"2025-01"},{"value":1.3784,"period":"2025-02"},{"value":1.4518,"period":"2025-03"},{"value":1.6918,"period":"2025-04"},{"value":1.9051,"period":"2025-05"},{"value":2.0824,"period":"2025-06"},{"value":2.2499,"period":"2025-07"},{"value":2.3477,"period":"2025-08"},{"value":2.4947,"period":"2025-09"},{"value":2.61,"period":"2025-10"},{"value":2.7051,"period":"2025-11"},{"value":2.8084,"period":"2025-12"},{"value":2.7753,"period":"2026-01"},{"value":2.8071,"period":"2026-02"},{"value":2.9175,"period":"2026-03"},{"value":2.9406,"period":"2026-04"}],"indicator":"households_total"},"meta":{"timestamp":"2026-06-12T10:35:48.314Z","request_id":"3a92fa6a-324f-41e6-97ac-ef9525512c74"},"status":"ok","message":"Series retrieved successfully","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}},"/v1/meta":{"get":{"operationId":"get_v1_meta","tags":["Meta"],"summary":"Spec","description":"","parameters":[],"security":[{"oanorKey":[]}],"responses":{"200":{"description":"OK","content":{"application/json":{"example":{"data":{"note":"growth and impulse take no parameters. series takes indicator=<one of the listed ids> and months=N (1-240, default 24). All series are euro-area (U2), monthly, annual-growth percent. Monthly data is briefly cached to protect the shared upstream.","source":"ECB Data Portal (data-api.ecb.europa.eu, BSI, monthly, live)","service":"creditgrowth-api","endpoints":{"GET /v1/meta":"This document.","GET /v1/growth":"Latest annual growth of household and business credit.","GET /v1/series":"Recent monthly history of one indicator (indicator=households_total, months=24).","GET /v1/impulse":"Credit impulse — change in the growth rate over 6 and 12 months, with direction."},"indicators":["households_total","house_purchase","consumer_credit","businesses"],"description":"Euro-area bank credit growth and credit impulse from the ECB Data Portal (no key, nothing stored). growth returns the latest annual growth of MFI loans to households (total, house purchase, consumer) and to non-financial corporations. impulse returns the credit impulse — the change in the growth rate over 6 and 12 months — a leading read on whether the credit cycle is accelerating or decelerating. series returns the recent monthly history of any one indicator. The euro-area credit-cycle / lending-volume macro cut — distinct from the bank-rate (price of credit), money-supply, policy-rate, yield-curve and FX APIs.","upstream_status":"ok","households_loan_growth":2.94},"meta":{"timestamp":"2026-06-12T10:35:48.625Z","request_id":"ded2b65e-12e9-42a9-b981-ec20af4f6827"},"status":"ok","message":"Meta","success":true}}}},"401":{"description":"Missing or invalid x-oanor-key header"},"402":{"description":"Active subscription required"},"429":{"description":"Rate-limit or monthly quota reached"},"502":{"description":"Upstream did not respond"}}}}},"x-oanor-pricing":[{"slug":"free","name":"Free","price_cents_month":0,"monthly_call_quota":600,"rps_limit":2,"hard_limit":true},{"slug":"starter","name":"Starter","price_cents_month":944,"monthly_call_quota":16500,"rps_limit":6,"hard_limit":true},{"slug":"pro","name":"Pro","price_cents_month":2888,"monthly_call_quota":85000,"rps_limit":16,"hard_limit":true},{"slug":"business","name":"Business","price_cents_month":6760,"monthly_call_quota":440000,"rps_limit":40,"hard_limit":true}],"x-oanor-marketplace-url":"https://www.oanor.com/api/creditgrowth-api"}