Consumer credit outstanding balance values rose in China in 2025, supported by lower borrowing costs following the PBOC’s May loan prime rate cut and by the NFRA’s interest subsidy scheme for personal consumption loans. Growth was concentrated in non-card lending, with auto lending the most dynamic segment as passenger car sales increased and new energy vehicle brands used zero down payment and interest-free loan offers to stimulate uptake. BNPL also expanded but remained largely confined to maj
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in China 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 China, 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 China 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 China?
- What are the major trends key to understanding Consumer Credit in China?
- 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 China - Category analysis
KEY DATA FINDINGS
Policy support drives auto lending, while card credit remains under pressure
Growth supported by fiscal policies in 2025
Auto lending posts the fastest growth within non-card lending
BNPL penetration remains limited within the e-commerce space
Consumer credit expansion likely to be limited going forward
Card lending projected to struggle in early forecast period
Consumer Lending in China - Industry Overview
Policy stimulus supports non-card borrowing, while housing remains weak
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Policy stimulus supports non-card borrowing, while housing remains weak
KEY DATA FINDINGS
Consumer lending sees solid outstanding balance growth in 2025
Mortgages/housing loan continues to decline in 2025
Greater penetration of BNPL within e-commerce space
Lending growth set to slow
Consumers remain unconvinced of need for loans
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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