Consumer credit saw growth in both outstanding balance value and gross lending value in 2025, supported by the continued recovery of card lending, the stabilising of household finances, and the ongoing digitalisation process. Buy Now, Pay Later services also continued to expand, especially within household appliances, technology, and travel.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in France 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 France, 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 France 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 France?
- What are the major trends key to understanding Consumer Credit in France?
- 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 France - Category analysis
KEY DATA FINDINGS
Recovery of card lending and further expansion of BNPL services support growth
Card lending continues recovery
Education lending forges ahead, while leasing (not included) still cannibalises auto lending
BNPL to forge ahead, but could face maturity and reluctance from consumers
Regulation and interest are more favourable, but consumer confidence may still be lacking
The future prospects of BNPL services in France are subject to ongoing discussion
Though showing increased vulnerability, online banks and neobank credit cards still hold growth potential
Consumer Lending in France - Industry Overview
Signs of ongoing recovery
KEY DATA FINDINGS
Signs of recovery in card lending despite gloomy local political and economic context
In non-card lending, education lending forges ahead while auto lending faces competition from leasing
Mortgage and housing relief emerges, but experts remain wary
BNPL nears saturation
Cautious outlook for mortgage/housing lending
Regulatory changes to drive up card lending
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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