Consumer lending remains on a positive trajectory, driven by economic expansion, Vision 2030, and fintech innovation
Consumer lending in Saudi Arabia remained on a positive trajectory in 2025, driven by economic expansion under Vision 2030, the digital revolution, ongoing fintech innovation, and increasing consumer demand. Consumer finance covers individual loans, credit cards, auto loans, mortgages, and Buy Now Pay Later (BNPL).
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Saudi Arabia 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 Saudi Arabia, 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 Saudi Arabia 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 Saudi Arabia?
- What are the major trends key to understanding Consumer Lending in Saudi Arabia?
- 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 Saudi Arabia - Industry Overview
Consumer lending remains on a positive trajectory, driven by economic expansion, Vision 2030, and fintech innovation
KEY DATA FINDINGS
Credit boom and transitioning loan model drive growth
Housing lending remains strong in Saudi Arabia
Increasing popularity of Buy Now Pay Later services in the Kingdom
“Originate-to-Distribute” volumes could nearly double by 2030
ESG standards and AI will continue to shape the lending landscape
COUNTRY REPORTS DISCLAIMER
Consumer Credit in Saudi Arabia - Category analysis
KEY DATA FINDINGS
Consumer credit sees growth supported by strong consumer spending, backed by economic progression in the Kingdom
Growth of credit card loans for large and small purchases
“Other” loans attract consumers with immediate personal needs
Attraction of 0% interest offers and instalment-integrated BNPL
Finance landscape being re-shaped by BNPL and fintechs
Islamic solutions and flexible payment options attract a wider consumer base
Credit cards to out-pace traditional consumer bank loans
COUNTRY REPORTS DISCLAIMER
The following categories and subcategories are included:
Consumer Lending
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- 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?
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This report originates from Passport, our Consumer Lending research and analysis database.
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