Indonesia’s consumer credit outstanding balance increased in 2025, supported by five Bank Indonesia (BI) rate cuts that encouraged consumer goods purchases and refinancing, alongside stronger subsidised housing lending through the prosperous mortgage programme, which reached a record high since 2022. Growth was partly held back by vehicle finance headwinds, with car purchase credit slowing and uncertainty over the electric motorcycle subsidy programme limiting upside. Durables lending was the mo
Delivery:
Files are delivered directly into your account soon after payment is received and any tax is certification is verified (where applicable).
This report comes in PDF with additional info in Excel included.
Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Indonesia 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 Indonesia, 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 Indonesia 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 Indonesia?
- What are the major trends key to understanding Consumer Credit in Indonesia?
- 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 Indonesia - Category analysis
KEY DATA FINDINGS
Rate cuts and promotions lift consumer credit as weak purchasing power sustains demand
Rate cuts and subsidised housing lift consumer credit as vehicle finance headwinds persist
Durables lending leads growth as low ticket sizes and retailer promotions accelerate uptake
BNPL growth accelerates as layoffs and income stagnation push short-tenor borrowing
Weak purchasing power to keep credit demand elevated through 2026–2027
BNPL likely to sustain strong growth as promotions and acceptance points expand
Auto lending needs incentives to reduce purchase costs and sustain hybrid support
Consumer Lending in Indonesia - Industry Overview
Consumer lending growth holds up as households lean on borrowing and policy support builds
KEY DATA FINDINGS
Economic stability and rate cuts support another year of consumer lending growth
Weaker purchasing power lifts most subcategories as auto lending loses momentum
Housing lending grows but slows, while BNPL expands quickly as short-term credit use rises
Consumer lending set to expand as weak purchasing power sustains credit reliance
Auto lending holds potential if incentives support affordability
Housing finance likely to benefit from incentives and a shift towards suburban purchases
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.
NEW REPORT GUARANTEE
If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extraction Free!