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Consumer Credit in France

Publisher Euromonitor International
Published Jan 21, 2026
Length 16 Pages
SKU # EP20807527

Description

Consumer credit saw growth in both outstanding balance value and gross lending value in 2025, supported by the continued recovery of card lending, the stabilising of household finances, and the ongoing digitalisation process. Buy Now, Pay Later services also continued to expand, especially within household appliances, technology, and travel.

Euromonitor International's Consumer Credit in France 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

16 Pages
Consumer Credit in France
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN FRANCE
KEY DATA FINDINGS
2025 DEVELOPMENTS
Recovery of card lending and further expansion of BNPL services support growth
INDUSTRY PERFORMANCE
Card lending continues recovery
Education lending forges ahead, while leasing (not included) still cannibalises auto lending
BNPL to forge ahead, but could face maturity and reluctance from consumers
WHAT’S NEXT?
Regulation and interest are more favourable, but consumer confidence may still be lacking
The future prospects of BNPL services in France are subject to ongoing discussion
Though showing increased vulnerability, online banks and neobank credit cards still hold growth potential
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 FRANCE
EXECUTIVE SUMMARY
Signs of ongoing recovery
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Signs of recovery in card lending despite gloomy local political and economic context
In non-card lending, education lending forges ahead while auto lending faces competition from leasing
Mortgage and housing relief emerges, but experts remain wary
BNPL nears saturation
WHAT’S NEXT?
Cautious outlook for mortgage/housing lending
Regulatory changes to drive up card lending
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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