Consumer credit maintained positive growth in Vietnam in 2025, with healthy growth rates in outstanding balance values and gross lending values, at levels slightly higher than seen in 2024. Growth is supported by more people turning to borrowing to pay for big-ticket purchases, using credit cards and Buy Now Pay Later (BNPL) options.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Vietnam 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 Vietnam, 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 Vietnam 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 Vietnam?
- What are the major trends key to understanding Consumer Credit in Vietnam?
- 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 Vietnam - Category analysis
KEY DATA FINDINGS
Growth in consumer credit supported by people turning to borrowing to pay for big-ticket purchases
Positive economic factors help to support consumer credit growth
Dynamism of durables lending driven by e-commerce, m-commerce, and BNPL
SmartBanking enables low-income consumers to access government-backed loan schemes
Ongoing positive growth supported by popularity of credit cards and new ID-linked bank account regulations
BNPL will continue to grow, especially among younger, tech-savvy consumers
Lending for education and experiences set to be supported by Gen Z and Millennial trends
Consumer Lending in Vietnam - Industry Overview
Consumer lending sees positive growth across all categories
KEY DATA FINDINGS
The State Bank of Vietnam focuses on supporting growth while ensuring financial stability
Mortgages/housing lending supported by State Bank’s VND145 trillion social and worked housing package
New regulations around bank accounts linked to ID push digital consumer lending, including BNPL
Ongoing positive growth linked to regulations which boost transparency and mitigate risks and fraud
Ongoing developments help more consumers to access loans, especially via fintechs and BNPL
Young, digitally-savvy population drives demand for mobile-based lending
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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