The development of society and technology presents a great challenge today and in the future. The citizens of the Republic of Croatia concluded the year 2020 with 136,2 billion HRK credit (banking) liabilities while at the same time there were 219,8 billion HRK deposits in banking institutions. At the same time, the number of executed citizens in February 2021 was 235 thousand to a total population of 4 million, who owed 16.9 billion to creditors, and the largest debt ratio – 5,1 billion or 30 % - was related to debts owed to banking institutions as bailiffs. These data indicated the financial instability of some citizens and the problem of managing personal finances, which is a burden to citizens, banking and financial institutions, other creditors and the economy and society as a whole. The basic goal of the research is the analysis of consumer loans in the disposable income of Croatian citizens and the impact of financial literacy on the share and structure of consumer loans. One of the objectives is to show whether the digital transformation of the banking system is increasing the need for credit intermediaries. The research was conducted on a representative sample of 117 respondents and for the purpose of field research, statistical methods of data analysis were processed in Microsoft Excel, a tool for statistical data processing, and the results were related to correlation and regression analysis. The paper uses common scientific methods: classification method, description method, compilation method, analysis method, synthesis method, generalisation method, induction and other methods used in scientific research. The research found that citizens spend 36,4 % of their disposable monthly income on consumer loans. It was determined that there is a need to solve the problem of financial education, which has been presented in the paper through the “Office for Financial Literacy”, a project for the systematic and continuous financial literacy education of citizens.