The number of consumers feeling very confident about their finances fell to 44% in June 2016, down from 46% in May 2016.
The new YouGov online research, which Equifax is conducting throughout 2016, also reveals that consumers are saving less.
The second quarterly report reveals that in April 44% of individuals felt that on a scale of 0 to 10, they were `10 - very confident` - about their financial commitments.
In May, this had risen to 46%, but in June consumers felt a bit more uncertain, with just 44% saying they were very confident about being able to afford their monthly commitments.
This follows the same rise and fall of quarter one.
Throughout quarter two the older generation remain the most confident about being able to afford their monthly financial commitments.
Whilst consumer confidence in the 18-24 year olds dipped to its lowest in June to 26%, however they were the most credit active age group with 18 planning to take out some form of credit during the next month (i.e. July).
Men were consistently more confident about their financial commitments, with 48% of men being very confident, compared to just 40% of women, in June.
Lisa Hardstaff, Equifax credit information expert, said: "Consumer confidence continues to fluctuate from one month to the next but, post the EU referendum there was a drop compared to six months ago.
And worryingly, many consumers are still failing to make any savings, which could leave them at risk of falling into debt if an unexpected bill comes in.
"In June, 10% of people surveyed said they are planning to take out some form of credit this year, which means it's vital that they assess their current financial commitments as well as check their credit report before making any applications. That way they can be fully aware of the factors that may impact their ability to obtain the best deals."
> Equifax Consumer Confidence Index: The survey is run monthly to a total sample size of approxiamately 2,050 adults in April, May and June 2016. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).
Equifax is conducting the YouGov research throughout the year to monitor trends in financial confidence as well as attitudes to savings.