Consumer lending in 2024: The big picture
The planned EU Consumer Credit Directive introduces significant regulatory changes for lenders, specifically addressing previously unregulated areas such as small loans under EUR200 and Buy Now Pay Later (BNPL) products. One of the most notable developments is the mandatory creditworthiness assessment for these types of loans.
Opportunities in green energy investments
An emerging opportunity for households is in the green energy sector. With growing awareness of energy efficiency and the need for sustainable solutions, an increasing number of German households are expected to borrow to finance renewable energy projects, such as installing solar panels or energy-efficient home appliances.
Navigating challenges in Germany's housing market
Mortgages/housing has been significantly impacted by rising construction costs and economic conditions. Since 2021, construction material and energy prices have surged, leading to higher housing costs.
Analysing the impact of Buy Now Pay Later on consumer debt sustainability in Germany
The Buy Now Pay Later (BNPL) trend has significantly reshaped the landscape of consumer credit in Germany, particularly in the segment of small loans under EUR1,000. These services, primarily offered by fintech companies and payment providers in the online retail sector, have become a popular alternative to traditional credit options.
What next for consumer lending?
There are expectations that interest rate cuts, which have already begun in Germany, will continue into 2025. This could make borrowing more attractive.
Delivery:
Files are delivered directly into your account soon after payment is received and any tax certification is verified (where applicable).
This report comes in PDF with additional info in Excel included.
Overview:
Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Germany 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 Lending industry in Germany, 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 Lending in Germany 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 Lending in Germany?
- What are the major trends key to understanding Consumer Lending in Germany?
- 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 Lending in Germany - Industry Overview
Consumer lending in 2024: The big picture
Opportunities in green energy investments
Navigating challenges in Germany's housing market
Analysing the impact of Buy Now Pay Later on consumer debt sustainability in Germany
What next for consumer lending?
DISCLAIMER
Consumer Credit in Germany - Category analysis
KEY DATA FINDINGS
The impact of ECB policies on German borrowing
Stable loan repayments amid economic pressures
Prioritising existing debt and reduced new lending
Rebound in credit activity will be driven by economic stabilisation
Immediate impact of high interest rates on borrowing
Opportunity for green energy investment and future rebound
The following categories and subcategories are included:
Consumer Lending
-
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
- Mortgages/Housing
Consumer Lending
Aggregate of Consumer Credit and Mortgages/Housing. Gross Lending: The total value of loans advanced by institutions in a given year; data refers to single year only. Outstanding Balance: The collective amount owed by borrowers at the end of a given year; data refers to the cumulative impact of debt.
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 Lending research and analysis database.
NEW REPORT GUARANTEE
If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extraction Free!