Consumer credit in the UK saw growth across all metrics in 2025, as local consumers continued to borrow to cope with elevated living costs, despite an easing in the rate of inflation.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in United Kingdom 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 United Kingdom, 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 United Kingdom 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 United Kingdom?
- What are the major trends key to understanding Consumer Credit in United Kingdom?
- 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 United Kingdom - Category analysis
KEY DATA FINDINGS
Growth across metrics in 2025 as cost of living remains high
With living costs still elevated, consumers lean on credit, lifting gross lending and outstanding balances
Amid higher fees, education borrowing grows while outstanding balances continue to build
BNPL adoption broadens in 2025 as the UK sets a firm path to regulation
Easing rates and shifting inflation trajectories set the stage for card lending growth
Regulation-ready growth, with opportunities shifting from volume to quality for BNPL
Shifting growth to finance-as-a-service model
Consumer Lending in the United Kingdom - Industry Overview
Consumer sentiment improves in 2025 as inflation declines
KEY DATA FINDINGS
Local consumers continue to rely on credit as the cost of living remains high
Everyday budgeting, rate relief and digital access sustain demand
Rate relief spurs remortgaging, but affordability still bites
Steady outlook ahead for consumer lending in the UK
Regulation set to affect direction of travel
AI will continue to streamline consumer lending systems in the years ahead
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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