The end of negative interest rates, which had persisted since 2016, changed consumer credit in Japan in 2024. Another key factor shaping consumer credit in 2025 was an ongoing increase in wealth inequality, with a rising number of high-net-worth individuals at the same time as many people continued to struggle to make ends meet. This is leading to a segmented consumer credit environment, involving luxury lending alongside survival-driven borrowing.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Japan 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 Japan, 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 Japan 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 Japan?
- What are the major trends key to understanding Consumer Credit in Japan?
- 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 Japan - Category analysis
KEY DATA FINDINGS
Growing wealth inequality shaping consumer credit
End of negative interest rates reshapes Japan’s consumer credit market
Rising wealth inequality and its impact on consumer credit in Japan
BNPL gains ground in Japan amid rising consumer risks
Will BNPL in Japan move beyond niche as big players join the race?
Finance education and digital transformation
Card lending growth supported by digitalisation
Consumer Lending in Japan - Industry Overview
Consumer lending faces new economic realities
KEY DATA FINDINGS
Consumer lending at a crossroads
Japan faces persistent inflation and wage pressure after “lost decades”
End of negative interest rates and rising mortgage costs in Japan
Consumer lending advancing towards digital-first model
BNPL growth and emerging challenges in Japan
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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