Consumer credit saw positive growth in Sweden in 2025, in both outstanding balance and gross lending, albeit at slightly lower rates of growth than seen in the previous year. It is noted that, with improvements in the economy, consumers have stronger spending power, although still use consumer credit for higher value purchases.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Sweden 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 Sweden, 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 Sweden 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 Sweden?
- What are the major trends key to understanding Consumer Credit in Sweden?
- 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 Sweden - Category analysis
KEY DATA FINDINGS
Consumer credit maintains positive growth, albeit at slightly lower rates than seen in the previous year
Consumer credit mainly used for higher value purchases not affordable without additional financing
Home lending benefits from Swedish consumers’ keen interest in updating their homes
BNPL schemes popular in Sweden, albeit there has been some negative press
Ongoing growth expected, with loans expected to be paid back on time, and with home lending popular
A competitive banking market with big and small players offering different products to attract consumers
Further digitisation of banking services will continue over the forecast period
Consumer Lending in Sweden - Industry Overview
Overall positive growth, supported by housing/mortgages lending
KEY DATA FINDINGS
Mortgages/housing lending benefits from policy rates
Lower policy rates lead to more interest in mortgages
BNPL schemes popular in Sweden, thanks to well-known Klarna being Swedish
Developments in consumer lending remain connected to the policy/interest rates and general economic situation
Mortgages/housing lending differs across urban and rural areas
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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