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Consumer Credit in Japan

Publisher Euromonitor International
Published Jan 19, 2026
Length 17 Pages
SKU # EP20807786

Description

The end of negative interest rates, which had persisted since 2016, changed consumer credit in Japan in 2024. Another key factor shaping consumer credit in 2025 was an ongoing increase in wealth inequality, with a rising number of high-net-worth individuals at the same time as many people continued to struggle to make ends meet. This is leading to a segmented consumer credit environment, involving luxury lending alongside survival-driven borrowing.

Euromonitor International's Consumer Credit in Japan 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

17 Pages
Consumer Credit in Japan
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN JAPAN
KEY DATA FINDINGS
2025 DEVELOPMENTS
Growing wealth inequality shaping consumer credit
INDUSTRY PERFORMANCE
End of negative interest rates reshapes Japan’s consumer credit market
Rising wealth inequality and its impact on consumer credit in Japan
BNPL gains ground in Japan amid rising consumer risks
WHAT’S NEXT?
Will BNPL in Japan move beyond niche as big players join the race?
Finance education and digital transformation
Card lending growth supported by digitalisation
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 JAPAN
EXECUTIVE SUMMARY
Consumer lending faces new economic realities
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Consumer lending at a crossroads
Japan faces persistent inflation and wage pressure after “lost decades”
End of negative interest rates and rising mortgage costs in Japan
WHAT’S NEXT?
Consumer lending advancing towards digital-first model
BNPL growth and emerging challenges in Japan
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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