Consumer credit maintained positive growth in Spain in 2025, albeit at lower rates of growth in consumer credit gross lending values (5%) compared to those seen in 2024 (10%). Meanwhile, consumer credit outstanding balance values increased by 2% in 2025, at a small decline in growth compared to 2024 (3%).
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Spain 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 Spain, 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 Spain 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 Spain?
- What are the major trends key to understanding Consumer Credit in Spain?
- 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 Spain - Category analysis
KEY DATA FINDINGS
Consumer credit maintains positive growth, reflecting a recovering economy
Consumer credit growth supported by recovering consumer spending confidence
Credit card lending continued to grow, but is under pressure of BNPL
BNPL continues to rise as a modern credit option
Consumer lending will remain positive, with stable levels of growth
Shift in customer preferences to shape the future of card lending in Spain
BNPL will continue to grow—albeit under the careful watch of financial supervisors
Consumer Lending in Spain - Industry Overview
Consumer lending maintains positive growth, reflecting a recovering economy
KEY DATA FINDINGS
Personal loans benefit from rise of fast-approval fintechs and neobanks
Decline in Euribor supports in new mortgage loans
BNPL overtakes overdrafts in share in other personal lending
An ongoing stable performance expected for consumer lending
Auto lending will remain supported by ongoing move towards electric vehicles
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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