The Bank of England's lending survey is published quarterly
Personal loans and overdrafts will only be available to "better quality" borrowers in the next three months, according to a survey of lenders.
Tighter credit scoring for non-credit card unsecured lending, already seen this year, will continue, the Bank of England's report said.
The availability of mortgages will remain steady, lenders told the Bank.
The report also found the availability of credit to businesses increased in the first three months of the year.
This included higher lending to the commercial property sector, and lenders said they expected the increasing approval of loans to the corporate sector to continue in the next three months.
"Lenders reported that the increase in credit availability had been supported by slight improvements in their funding costs and by an improved economic outlook for businesses," the Bank of England's Credit Conditions Survey found.
The effect of the poor weather and the end of temporary stamp duty relief meant that demand for mortgages fell in the first three months of the year, although this is expected to rise again.
The supply of mortgages is set to remain broadly unchanged, reflecting lenders' expectations that there will be "little change" in conditions in the housing market in the coming months.
The latest mortgage and house price data has suggested a relatively slow start to the year in the UK housing market.
The Bank's report said that there was more appetite for risk among lenders, with credit card lending as the economic outlook improved. However, demand for credit card lending fell in the first quarter of the year.
The number of people defaulting on unsecured loans fell by more than lenders anticipated in the first three months of the year.
An unexpected fall in the past three months in medium and large firms defaulting on loans was also recorded in the survey.