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Consumer Credit in Sweden

Publisher Euromonitor International
Published Mar 23, 2026
Length 15 Pages
SKU # EP21075106

Description

Consumer credit saw positive growth in Sweden in 2025, in both outstanding balance and gross lending, albeit at slightly lower rates of growth than seen in the previous year. It is noted that, with improvements in the economy, consumers have stronger spending power, although still use consumer credit for higher value purchases.

Euromonitor International's Consumer Credit in Sweden report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report??
* Get a detailed picture of the Consumer Credit market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

15 Pages
Consumer Credit in Sweden
Euromonitor International
March 2026
List Of Contents And Tables
CONSUMER CREDIT IN SWEDEN
KEY DATA FINDINGS
2025 DEVELOPMENTS
Consumer credit maintains positive growth, albeit at slightly lower rates than seen in the previous year
INDUSTRY PERFORMANCE
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
WHAT’S NEXT?
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
CATEGORY DATA
Table 1 Consumer Credit: Outstanding Balance by Category: Value 2020-2025
Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
Table 3 Consumer Credit: Gross Lending by Category: Value 2020-2025
Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025
Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2025-2030
Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2025-2030
Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2025-2030
Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CONSUMER LENDING IN SWEDEN
EXECUTIVE SUMMARY
Overall positive growth, supported by housing/mortgages lending
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
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
WHAT’S NEXT?
Developments in consumer lending remain connected to the policy/interest rates and general economic situation
Mortgages/housing lending differs across urban and rural areas
MARKET DATA
Table 9 Consumer Lending: Outstanding Balance by Category: Value 2020-2025
Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
Table 11 Consumer Lending: Gross Lending by Category: Value 2020-2025
Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2025-2030
Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2025-2030
Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2025-2030
Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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