Consumer credit maintained positive growth in Peru in 2025, in both outstanding balance and gross lending, at slightly higher growth rates than seen in the previous year. One of the main factors contributing to this growth has been the improvement of the Peruvian economy thanks to the growth of national production, the maintenance of inflation levels within the target ranges established by the Central Reserve Bank of Peru, and improvements in employment. All of this has favoured stronger consume
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 Peru 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 Peru, 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 Peru 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 Peru?
- What are the major trends key to understanding Consumer Credit in Peru?
- 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 Peru - Category analysis
KEY DATA FINDINGS
Consumer credit maintains positive growth thanks to an improving economy
Growth is supported by improving economy, reduction in late payments, and high dynamism of market players
Card lending was the most dynamic category in 2025, while home lending stands out within non-card lending
BNPL is gradually developing, however it is still at an early stage, with Cuotealo, Powerpay and aCuotaz standing out
Consumer credit will continue to grow, thanks to an improved economy, greater willingness to borrow, and dynamism of players
New regulations establish that credit life insurance is optional for personal loans, which is expected to promote growth
High competition will continue in the personal loan sector, where the State will also play an important role
Consumer Lending in Peru - Industry Overview
Consumer lending maintains growth, thanks to improving economic conditions
KEY DATA FINDINGS
Card lending remains the largest category, with mortgages/housing the most dynamic
Mortgage/housing lending benefits from an improving economy, lower interest rates, and high market demand
Technological advancements and the dynamism of fintech are driving the virtual consumer lending market
Ongoing growth expected, thanks to an improving economy
Late payment rates expected to remain low as consumers focus on paying on time
Interest rates may remain high for consumer credit
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!