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Consumer Credit in the US

Publisher Euromonitor International
Published Jan 19, 2026
Length 20 Pages
SKU # EP20807774

Description

BNPL continues to soar while tariffs boosted auto lending in 2025. Changes to support for students is also resulting in more students turning to education lending. Further changes to government regulations are expected to impact consumer credit in the forecast period, with cuts to ACA subsidies for example likely to increase demand for medical lending.

Euromonitor International's Consumer Credit in USA 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

20 Pages
Consumer Credit in the US
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN THE US
KEY DATA FINDINGS
2025 DEVELOPMENTS
New regime heralds many changes, boosting demand for many areas
INDUSTRY PERFORMANCE
Auto lending shifts into gear as tariffs destabilise market
BNPL continues to grow dramatically, while regulatory burden lightened
Education lending sees significant changes with new administration
WHAT’S NEXT?
Economy remains afloat, but risk remains difficult to fully assess
Cuts to ACA subsidies could create a jump in medical debt.
OBBBA changes incentives for various home investments
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 THE US
EXECUTIVE SUMMARY
Growth despite upheaval
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Trump Administration shifts government priorities
Further development of credit scores
Consumer lending continues to grow as consumers grapple with financial challenges
Mortgages show resilience in a challenging environment
Explosion of online gambling offers new risk for lenders to account for
WHAT’S NEXT?
Lending at a crossroads
Ongoing uncertainty
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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