Overall positive growth, supported by housing/mortgages lending
Consumer lending saw positive growth in Sweden in 2025, in both outstanding balance and gross lending, at stronger rates of growth than seen in the previous year overall. That said, while all categories saw positive growth, growth rates differ across different categories, with housing/mortgages lending stronger than the average and helping to support overall growth.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Sweden 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 Sweden, 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 Sweden 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 Sweden?
- What are the major trends key to understanding Consumer Lending in Sweden?
- 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 Sweden - Industry Overview
Overall positive growth, supported by housing/mortgages lending
KEY DATA FINDINGS
Mortgages/housing lending benefits from policy rates
Lower policy rates lead to more interest in mortgages
BNPL schemes popular in Sweden, thanks to well-known Klarna being Swedish
Developments in consumer lending remain connected to the policy/interest rates and general economic situation
Mortgages/housing lending differs across urban and rural areas
COUNTRY REPORTS DISCLAIMER
Consumer Credit in Sweden - Category analysis
KEY DATA FINDINGS
Consumer credit maintains positive growth, albeit at slightly lower rates than seen in the previous year
Consumer credit mainly used for higher value purchases not affordable without additional financing
Home lending benefits from Swedish consumers’ keen interest in updating their homes
BNPL schemes popular in Sweden, albeit there has been some negative press
Ongoing growth expected, with loans expected to be paid back on time, and with home lending popular
A competitive banking market with big and small players offering different products to attract consumers
Further digitisation of banking services will continue over the forecast period
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.
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This report originates from Passport, our Consumer Lending research and analysis database.
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