Consumer credit maintained growth in Romania in 2025, in both terms of outstanding balance and gross lending. However, while outstanding balance growth is higher than seen in the recent review period, growth in gross lending has reduced compared to the previous year.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Romania 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 Romania, 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 Romania 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 Romania?
- What are the major trends key to understanding Consumer Credit in Romania?
- 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 Romania - Category analysis
KEY DATA FINDINGS
Young consumers embrace BNPL and digital microloans, while older consumers borrow for large purchases and living costs
Card lending maintains dynamic growth as consumers increasingly use credit cards to cover everyday expenses
BNPL continues to grow, with many consumers perceiving this model as a payment method rather than a loan
Varied growth expected, as the economy settles
New loan products will change how and why consumers borrow
The fintech boom is set to continue
Consumer Lending in Romania - Industry Overview
Healthy growth for consumer lending, although gross lending growth notably falls
KEY DATA FINDINGS
Inflationary pressures linger, supporting consumer interest in loans
Mortgage/housing lending remains driven by robust housing standards and rising property prices
BNPL continues to attract strong interest in Romania
Consumer confidence will increase as inflation continues to normalise
“Green” personal and housing loans are expected to grow over the forecast period
Fintechs and neobanks will continue to expand their offers
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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