Consumer credit in the Netherlands saw continued activity across targeted lending categories in 2025. Home loans continued to support sustainability-focused renovations, while auto financing benefited with electric vehicle purchases and associated higher upfront costs. Education lending remained a key component of consumer credit, influenced by tuition levels, living expenses, and repayment structures of government-backed loans. BNPL emerged as a notable non-traditional credit method, particular
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Netherlands 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 Netherlands, 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 Netherlands 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 Netherlands?
- What are the major trends key to understanding Consumer Credit in Netherlands?
- 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 the Netherlands - Category analysis
KEY DATA FINDINGS
Consumer credit is supported by targeted borrowing behaviour
Consumer credit balances rise in 2025
Education lending is most dynamic category
BNPL shows strong growth
Consumer credit balances set to rise
Auto lending will support growth while housing lending will remain fairly stable
BNPL is set to rise as traditional, unspecified personal loans decline
Consumer Lending in the Netherlands - Industry Overview
Consumer lending is supported by goal-oriented loans and BNPL growth
KEY DATA FINDINGS
Discontinuation of credit cards leads to decline in gross consumer lending
Mortgage lending rises on back of strong house prices
BPNL emerges as key component of consumer lending
Consumer lending set to grow
Mortgage/housing lending will remain robust
Education lending will remain key category
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?
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- Track key industry trends, opportunities and threats
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This report originates from Passport, our Consumer Credit research and analysis database.
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