Consumer lending sees positive growth across all categories
Consumer lending 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. While all categories performed positively, durables lending saw the strongest growth in both outstanding balance and gross lending, with card lending also performing particularly well in gross lending.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Lending 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 Lending 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 Lending 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 Lending in Vietnam?
- What are the major trends key to understanding Consumer Lending 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 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
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
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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