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Consumer Credit in Singapore

Publisher Euromonitor International
Published Jan 13, 2026
Length 16 Pages
SKU # EP20773082

Description

Consumer credit in Singapore saw gross lending and outstanding balance levels rise in 2025. Gross lending rose at a faster rate than in 2024. Meanwhile, outstanding balance saw a slower rise. Singapore’s total consumer credit outstanding balance rose largely due to the continued increase in credit card debt and personal loans. This growth was driven by consumers deferring repayments amid high interest rates and rising living costs. According to the Monetary Authority of Singapore (MAS), credit c...

Euromonitor International's Consumer Credit in Singapore 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 Singapore
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN SINGAPORE
KEY DATA FINDINGS
2025 DEVELOPMENTS
Rising living costs and credit card debt drive consumer credit growth
INDUSTRY PERFORMANCE
New tailored products maintain card lending’s momentum while EV demand and fleet expansion enhance auto lending
BNPL’s robust impact on consumers’ credit habits
WHAT’S NEXT?
Growing consumer optimism to fuel lifestyle borrowing
Digital lending platforms to expand access to credit
Stable economy and bank strategies to support consumer credit growth
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 SINGAPORE
EXECUTIVE SUMMARY
Economic growth and lower interest rates boost consumer lending
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Government support and first-time buyer demand drive mortgages/housing lending growth
Digital personal loans reshape consumer credit access
Buy Now Pay Later (BNPL) remains a strong factor despite signs of maturity and tighter scrutiny
WHAT’S NEXT?
Economic stability and growing credit awareness to support consumer confidence and borrowing capacity
Banks to continue to develop solutions to respond to the call for faster, flexible credit
Economic, regulatory and consumer aspects influence the outlook for consumer 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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