Consumer lending reflects an improving economy, although cautious lending sentiment remains
Consumer lending outstanding balance values saw improved positive growth in Thailand in 2025, compared to 2024. Meanwhile, consumer gross lending values, while still in positive growth, have fallen compared to the previous year. This indicates a stabilising economy in the country—although a cautious lending sentiment still remains.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Thailand 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 Thailand, 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 Thailand 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 Thailand?
- What are the major trends key to understanding Consumer Lending in Thailand?
- 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 Thailand - Industry Overview
Consumer lending reflects an improving economy, although cautious lending sentiment remains
KEY DATA FINDINGS
Regulations around risk control suppress a stronger performance in loans
Mortgages/housing lending sees a slight uptick, but the market remains constrained
BNPL continues to grow in popularity, from a low base of Millennial and Gen Z consumers
Positive growth expected, while responsible lending practices will remain in place
Technological innovation will enable lenders to reach underserved borrowers
Mortgages/housing loans to maintain positive, steady growth, aided by government incentives, and low fees and interest rates
COUNTRY REPORTS DISCLAIMER
Consumer Credit in Thailand - Category analysis
Consumer credit outstanding balance values rebound to positive growth
KEY DATA FINDINGS
Consumer credit market remains somewhat constricted by consumer caution and tight lending standards
Non-bank and fintech lenders continue to expand
BNPL continues to grow in popularity, from a low base of Millennial and Gen Z consumers
Outstanding balance growth to remain steady, while credit gross lending will rebound
Alternative financial service providers will continue to expand
BNPL adoption will grow steadily
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?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
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This report originates from Passport, our Consumer Lending research and analysis database.
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