The outstanding balance of consumer credit grew moderately in 2025. The Reserve Bank of Australia lowered interest rates, enabling more debt to be repaid, while gross lending was lower than in previous years of the review period.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Australia with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Australia, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in Australia report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in Australia?
- What are the major trends key to understanding Consumer Credit in Australia?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in Australia - Category analysis
KEY DATA FINDINGS
Lower interest rates encourage many to repay debts
Reduction in interest rates and gross lending inhibits the growth of outstanding balance in 2025
Durables lending leads consumer credit in terms of growth
Buy Now Pay Later maintains growth despite concerns around growing debt
Steady growth forecast for outstanding balance of consumer credit
Change in BNPL regulation set to impact growth of other personal lending
Alternative lenders set to gain share over the forecast period
Consumer Lending in Australia - Industry Overview
Inflation and cost pressures boost lending
KEY DATA FINDINGS
Consumer lending remains vital amid high cost of living
Home ownership becomes more affordable thanks to government’s new deposit scheme
Buy Now, Pay Later sees regulatory change
AMP launches 10-year interest-only loan
Mortgages and housing lending maintain steady growth amid strong consumer demand
Positive outlook for consumer lending over the forecast period
Interest rate reductions set to benefit borrowers
Debt reduction strategies will be a key focus in the coming years
COUNTRY REPORTS DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy buy this report?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
- Inform your marketing, brand, strategy and market development, sales and supply functions
This report originates from Passport, our Consumer Credit research and analysis database.
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