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Consumer Credit in the United Kingdom

Publisher Euromonitor International
Published Jan 16, 2026
Length 17 Pages
SKU # EP20772971

Description

Consumer credit in the UK saw growth across all metrics in 2025, as local consumers continued to borrow to cope with elevated living costs, despite an easing in the rate of inflation.

Euromonitor International's Consumer Credit in United Kingdom 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 the United Kingdom
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN THE UNITED KINGDOM
KEY DATA FINDINGS
2025 DEVELOPMENTS
Growth across metrics in 2025 as cost of living remains high
INDUSTRY PERFORMANCE
With living costs still elevated, consumers lean on credit, lifting gross lending and outstanding balances
Amid higher fees, education borrowing grows while outstanding balances continue to build
BNPL adoption broadens in 2025 as the UK sets a firm path to regulation
WHAT’S NEXT?
Easing rates and shifting inflation trajectories set the stage for card lending growth
Regulation-ready growth, with opportunities shifting from volume to quality for BNPL
Shifting growth to finance-as-a-service model
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 KINGDOM
EXECUTIVE SUMMARY
Consumer sentiment improves in 2025 as inflation declines
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Local consumers continue to rely on credit as the cost of living remains high
Everyday budgeting, rate relief and digital access sustain demand
Rate relief spurs remortgaging, but affordability still bites
WHAT’S NEXT?
Steady outlook ahead for consumer lending in the UK
Regulation set to affect direction of travel
AI will continue to streamline consumer lending systems in the years ahead
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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