Consumer credit outstanding balance values saw moderate growth in Portugal in 2025, while gross lending values saw healthier growth. Outstanding balance growth remained at a similar level as seen in the previous year, while gross lending growth almost doubling in growth compared to the previous year. This performance was supported by overall economic stability and rising consumer financial confidence.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Portugal 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 Portugal, 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 Portugal 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 Portugal?
- What are the major trends key to understanding Consumer Credit in Portugal?
- 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 Portugal - Category analysis
KEY DATA FINDINGS
Positive growth supported by rising consumer financial confidence
Rising consumer credit demand on the back of economic stability and new market dynamics
Strong momentum in auto lending, boosted by demand for electric and hybrid vehicles
Rising competition in Portugal’s consumer credit market
Consumer credit is set on a growth trajectory over the coming years
BNPL will continue to rise over the coming years
Shaping the future: the rising role of fintechs
Consumer Lending in Portugal - Industry Overview
A positive performance supported by falling interest rates, stronger consumer confidence, and a resilient labour market
KEY DATA FINDINGS
Consumer confidence strengthens demand for lending in Portugal
Mortgage lending accelerates on the back of youth housing incentives
BNPL continues to grow, aligned with ongoing digitisation in the banking landscape
Ongoing growth expected, supported by a broadly positive economic outlook
BNPL will continue to grow, while 2026 EU legislation will classify this product as 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.
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