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Consumer Credit in the United Arab Emirates

Publisher Euromonitor International
Published Jan 19, 2026
Length 16 Pages
SKU # EP20807788

Description

In 2025, consumer credit in the United Arab Emirates saw outstanding balance rise at a similar rate to 2023 and 2024. The demand for consumer credit was driven by household spending, increased use of credit cards for day-to-day purchases, and a higher appetite for personal loans linked to housing, education and lifestyle upgrades. While the cost-of-living in the United Arab Emirates exerted pressure on household budgets, consumers continued to rely on credit to manage larger expenses, supported...

Euromonitor International's Consumer Credit in United Arab Emirates 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 the United Arab Emirates
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN THE UNITED ARAB EMIRATES
KEY DATA FINDINGS
2025 DEVELOPMENTS
Total consumer credit outstanding balance rises in 2025
INDUSTRY PERFORMANCE
Credit cards provide the key and most dynamic area of consumer credit in 2025
BNPL continues to reshape the consumer credit landscape
Competitive deals foster auto lending resilience
WHAT’S NEXT?
Consumer credit outstanding balance is expected to continue to rise steadily over the forecast period
Fintech to add dynamism to the industry
Technology and regulation as shapers of consumer lending development
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 UNITED ARAB EMIRATES
EXECUTIVE SUMMARY
Robust demand for borrowing despite economic pressures on households
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Card lending on the rise in the United Arab Emirates
A robust rather than explosive housing market
BNPL continues to develop and grow in importance
WHAT’S NEXT?
Daily and bigger-ticket commitments to necessitate borrowing
Banks and financial institutions to develop innovative loan solutions
Technology and regulation to shape banks’ responses
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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