Lenders reported an increasing number of borrowers faced difficulties repaying loans and overdrafts at the end of the year.
Default rates rose on this unsecured debt in the final three months of the year, the Bank of England's Credit Conditions Survey shows.
Write-offs had been at historically low levels, but demand and the availability of credit have risen.
The Bank's governor has already urged vigilance over the issue.
The total level of unsecured debt has been rising at its fastest pace for 11 years.
"We are going to remain vigilant around the issue, because we have seen this shift," Bank of England governor Mark Carney said in November.
'Hardly a binge'
The TUC and debt charities have warned that if there was a squeeze on employment and spending power in 2017, an increasing number of people could find their debts unmanageable.
Following the Bank's latest figures, Howard Archer, an economist at IHS Global Insight, said: "The Bank of England may well be perturbed to see that there was a loosening of credit standards for unsecured lending other than credit cards.
"It looks inevitable that the fundamentals for consumers will progressively weaken over the coming months."
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