NAICS Code 522291 — Consumer Lending

National Industry in the official 2022 North American Industry Classification System (U.S. Census Bureau). It is one of 3 national industries under 52229 (Other Nondepository Credit Intermediation).

Code	522291
Title	Consumer Lending
Level	National Industry (6-digit)
Edition	NAICS 2022 edition
SBA size standard	$47 million in average annual receipts

Official definition (2022 NAICS)

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers.

Illustrative Examples:

Finance companies (i.e., unsecured cash loans)

Personal credit institutions (i.e., unsecured cash loans)

Loan companies (i.e., consumer, personal, student, small)

Student loan companies

Is a business under 522291 "small"?

Under the SBA size standards (13 CFR 121.201, effective March 17, 2023), a business classified in NAICS 522291 qualifies as a small business if it does not exceed $47 million in average annual receipts. Small-business status determines eligibility for federal set-aside contracts, SAM.gov certifications and SBA loan programs — receipts are averaged over the latest 5 fiscal years.

Where 522291 sits in the hierarchy

Level	Code	Title
Sector	52	Finance and Insurance
Subsector	522	Credit Intermediation and Related Activities
Industry Group	5222	Nondepository Credit Intermediation
NAICS Industry	52229	Other Nondepository Credit Intermediation
National Industry	522291	Consumer Lending

Related SIC codes

Via the official U.S. Census concordance (1987 SIC ↔ NAICS), shown only where the industry definition is unchanged in NAICS 2022.

SIC code	Title
6141	Personal Credit Institutions

Related National Industry codes

• 522292 — Real Estate Credit
• 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation

Data: official 2022 NAICS structure, descriptions and Census concordances, U.S. Census Bureau — U.S. government works in the public domain (17 U.S.C. §105). Suggested reference, not an official determination.