PROSPECTS AND OPPORTUNITIES
Credit balances set rise gradually as rates stabilise
Outstanding balances are likely to stabilise and then grow gradually as rates settle and real incomes improve. Borrowers will remain careful, but planned purchases should return, especially for travel, education, durable goods and home upgrades that do not require a mortgage.
Embedded, app-based lending set to expand with open banking and stronger affordability checks
Distribution will keep moving towards embedded and app based journeys. Banks will introduce more pre-approved offers in their own apps and inside merchant checkouts, with instant decisions, e signature and same day payouts to the current account.
Practical, transparent products with better end-to-end support
Product focus will likely shift to practical needs and resilience. Personal loans for energy-saving home improvements, appliances and mobility will stay relevant, alongside financing for used vehicles, cycles and e bikes.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Germany 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 Germany, 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 Germany 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 Germany?
- What are the major trends key to understanding Consumer Credit in Germany?
- 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 Germany - Category analysis
KEY DATA FINDINGS
Signs of optimism for consumer credit in 2025
Cautious borrowing stabilises as early rate cuts ease pressure
Simple, fully digital personal loans drive planned spending
Instalment payments expand but with improved protections in place
Credit balances set rise gradually as rates stabilise
Embedded, app-based lending set to expand with open banking and stronger affordability checks
Practical, transparent products with better end-to-end support
Consumer Lending in Germany - Industry Overview
The market remains cautious despite a drop in interest rates
KEY DATA FINDINGS
Borrowing remains restrained as higher rates keep households cautious
Housing lending remains subdued amid high prices
Instalments persist under stricter checks, shifting toward bank-led models
Mortgages/housing lending unlikely to see significant growth
Lenders likely to adopt cautious approach to lending
Opportunities in green energy investments
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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