Unsecured Loan Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, 2018-2028F

Report
116 Pages
August 2023
Region: Global
TechSci Research
ID: 5877597

The global unsecured loan market is expected to experience substantial growth in the forecast period due to its streamlined application process, absence of collateral requirements, and prompt disbursement rate

The global unsecured loan market is expected to experience substantial growth in the forecast period due to its streamlined application process, absence of collateral requirements, and prompt disbursement rate. Loans, provided by banks and other financial institutions, entail repayment of the borrowed amount along with a predetermined interest rate on a monthly basis. The monthly payment made to the lender, encompassing both principal and interest, is referred to as Equated Monthly Installment (EMI). Unsecured loans, often referred to as signature loans, are not backed by any underlying collateral. A significant majority of borrowers (57.6%) utilize personal loans to refinance credit card debt or consolidate existing debts, while home renovations rank second (5.8%) in terms of loan purpose. The terms and conditions of unsecured loans, including approval, sanction, and distribution, are frequently influenced by the borrower's credit score. Some unsecured loan products necessitate a high credit score for approval, while others may require a cosigner to assume responsibility for debt repayment in the event of borrower default. In 2022, the United States is witnessing unprecedented levels of personal loan debt. The average balance per loan of unsecured personal loans held by Americans is USD9,896, with a total balance amounting to USD177.9 billion.

An unsecured loan offers the convenience of repaying a smaller loan amount within a shorter time frame. The loan amount and duration can be tailored based on the intended purpose. Due to the reduced loan amount and shorter term, borrowers can efficiently settle debts and allocate funds from alternate sources to cover the loan repayment.

The application process for unsecured loans is simple and expedited, in contrast to secured loans. Financial institutions meticulously review each loan application, including secured and unsecured loans, as well as other financing options such as business lines of credit, merchant cash advances, and invoice finance. However, secured loans require thorough evaluation of provided collateral to determine its value, which can be time-consuming. On the other hand, the application and approval processes for unsecured loans are streamlined and prompt. The loan amount is disbursed within a few days. As a result, the unsecured loan market is expected to exhibit faster-than-average growth, driven by the increasing demand for its swift application process.

The absence of collateral requirements is poised to further boost market growth. Many businesses necessitate collateral to secure loans. Startups, for instance, may lack valuable company assets to offer as collateral, rendering them ineligible for most secured business loans. Consequently, factors like business strategy and market potential are considered during the assessment of a company. Unsecured business loans provide an opportunity for startups and asset-limited enterprises to obtain financing. In the first quarter of 2022, the number of Americans with personal loans reached 20.4 million, up from 19.9 million the previous year. Despite the increase in personal loan debt, the number of borrowers decreased from 20.8 million at the end of 2019. Individuals lacking the necessary equity to secure loans can benefit from unsecured loans, as they provide access to funds for purposes beyond asset acquisition. This borrowing method allows borrowers to quickly address credit card balances and close other outstanding loans. Consequently, the unsecured loan market is anticipated to expand due to the non-requirement of collateral.

The market for personal loans has experienced growth attributed to the adoption of advanced technologies such as Chatbots, IoT, AI, and big data analytics. Platforms like Zopa, Prosper, and Lending Club facilitate person-to-person lending for personal loans, offering credit cards, fixed-term savings accounts, and access to loans from various lenders or investors. These platforms enable customers to conveniently apply for loans from the comfort of their homes. Additionally, as digitalization continues to advance, providers of unsecured loans are investing in customer interactions through digital and voice-activated assistants. Chatbot software programs are increasingly used by businesses offering unsecured loans to deliver personalized and user-friendly experiences for clients. Technological advancements have also spurred the development of innovative unsecured loan schemes. Therefore, the potential for technological advancements is limitless, paving the way for profitable opportunities in the expansion of the unsecured loans market.

Market Segmentation

The Unsecured Loan Market is segmented based on type, provider type, interest rate, tenure, region and competitive landscape. Based on type, the market is segmented into personal loan, education loan, credit card loan, agricultural loan, home improvement loan and others (short term business loan, consumer durable loan, etc.). The market is further divided into bank, non-banking financial companies, others (fintech companies), based on provider type. On the basis of interest rate, the market is segmented into fixed and floating. Based on tenure, the market is fragmented into less than 3 years, 3-5 years, and more than 5 years. On the basis of region, the market is segmented into North America, Europe, Asia-Pacific, Middle East & Africa and South America.

Company Profiles

Bank of America Corporation, Citigroup, Inc., Wells Fargo & Co., U.S. Bancorp, PNC Financial Services Group, Inc., American Express Company, Ally Financial Inc., Truist Financial Corporation, Bank of China and HDFC Bank Ltd. are among the major market players in the global unsecured loan market.

Report Scope

In this report, the global unsecured loan market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Global Unsecured Loan Market, by Type:

Personal Loan
Education Loan
Credit Card Loan
Agricultural Loan
Home Improvement Loan
Others

Global Unsecured Loan Market, by Provider Type:

Banks
Non-Banking Financial Companies
Others

Global Unsecured Loan Market, by Interest Rate:

Fixed
Floating

Global Unsecured Loan Market, by Tenure:

Less than 3 Years
3-5 Years
More than 5 Years

Global Unsecured Loan Market, by Region:

North America
Europe
Asia-Pacific
Middle East & Africa
South America

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the global unsecured loan market.

Available Customizations

The following customization options are available for the report:

Detailed analysis and profiling of additional market players (up to five).

This product will be delivered within 1-3 business days.

1. Introduction

1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered

2. Research Methodology

2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations

3. Executive Summary

3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments

4. Voice of Customer Analysis

4.1. Sample Size Determination
4.2. Respondent Demographics
4.2.1. By Gender
4.2.2. By Age
4.2.3. By Occupation
4.3. Brand Awareness
4.4. Factors Influencing Loan Availing Decisions
4.5. Challenges Faced

5. Global Unsecured Loan Market Outlook

5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Type Market Share Analysis (Personal Loan, Education Loan, Credit Card Loan, Agricultural Loan, Home Improvement Loan and Others (Short Term Business Loan, Consumer Durable Loan, etc.))
5.2.2. By Provider Type Market Share Analysis (Bank, Non-Banking Financial Companies and Others (Fintech Companies))
5.2.3. By Interest Rate Market Share Analysis (Fixed and Floating)
5.2.4. By Tenure Market Share Analysis (Less than 3 Years, 3-5 Years, More than 5 Years)
5.2.5. By Regional Market Share Analysis
5.2.5.1. North America Market Share Analysis
5.2.5.2. Europe Market Share Analysis
5.2.5.3. Asia -Pacific Market Share Analysis
5.2.5.4. Middle East & Africa Market Share Analysis
5.2.5.5. South America Market Share Analysis
5.2.6. By To 5 Companies Market Share Analysis, Others (2022)
5.3. Global Unsecured Loan Market Mapping & Opportunity Assessment
5.3.1. By Type Market Mapping & Opportunity Assessment
5.3.2. By Provider Type Market Mapping & Opportunity Assessment
5.3.3. By Interest Rate Market Mapping & Opportunity Assessment
5.3.4. By Tenure Market Mapping & Opportunity Assessment
5.3.5. By Regional Market Mapping & Opportunity Assessment

6. North America Unsecured Loan Market Outlook

6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Type Market Share Analysis
6.2.2. By Provider Type Market Share Analysis
6.2.3. By Interest Rate Market Share Analysis
6.2.4. By Tenure Market Share Analysis
6.2.5. By Country Market Share Analysis
6.2.5.1. United States Unsecured Loan Market Outlook
6.2.5.1.1. Market Size & Forecast
6.2.5.1.1.1. By Value
6.2.5.1.2. Market Share & Forecast
6.2.5.1.2.1. By Type Market Share Analysis
6.2.5.1.2.2. By Provider Type Market Share Analysis
6.2.5.1.2.3. By Interest Rate Market Share Analysis
6.2.5.1.2.4. By Tenure Market Share Analysis
6.2.5.2. Canada Unsecured Loan Market Outlook
6.2.5.2.1. Market Size & Forecast
6.2.5.2.1.1. By Value
6.2.5.2.2. Market Share & Forecast
6.2.5.2.2.1. By Type Market Share Analysis
6.2.5.2.2.2. By Provider Type Market Share Analysis
6.2.5.2.2.3. By Interest Rate Market Share Analysis
6.2.5.2.2.4. By Tenure Market Share Analysis
6.2.5.3. Mexico Unsecured Loan Market Outlook
6.2.5.3.1. Market Size & Forecast
6.2.5.3.1.1. By Value
6.2.5.3.2. Market Share & Forecast
6.2.5.3.2.1. By Type Market Share Analysis
6.2.5.3.2.2. By Provider Type Market Share Analysis
6.2.5.3.2.3. By Interest Rate Market Share Analysis
6.2.5.3.2.4. By Tenure Market Share Analysis

7. Europe Unsecured Loan Market Outlook

7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Type Market Share Analysis
7.2.2. By Provider Type Market Share Analysis
7.2.3. By Interest Rate Market Share Analysis
7.2.4. By Tenure Market Share Analysis
7.2.5. By Country Market Share Analysis
7.2.5.1. Germany Unsecured Loan Market Outlook
7.2.5.1.1. Market Size & Forecast
7.2.5.1.1.1. By Value
7.2.5.1.2. Market Share & Forecast
7.2.5.1.2.1. By Type Market Share Analysis
7.2.5.1.2.2. By Provider Type Market Share Analysis
7.2.5.1.2.3. By Interest Rate Market Share Analysis
7.2.5.1.2.4. By Tenure Market Share Analysis
7.2.5.2. France Unsecured Loan Market Outlook
7.2.5.2.1. Market Size & Forecast
7.2.5.2.1.1. By Value
7.2.5.2.2. Market Share & Forecast
7.2.5.2.2.1. By Type Market Share Analysis
7.2.5.2.2.2. By Provider Type Market Share Analysis
7.2.5.2.2.3. By Interest Rate Market Share Analysis
7.2.5.2.2.4. By Tenure Market Share Analysis
7.2.5.3. United Kingdom Unsecured Loan Market Outlook
7.2.5.3.1. Market Size & Forecast
7.2.5.3.1.1. By Value
7.2.5.3.2. Market Share & Forecast
7.2.5.3.2.1. By Type Market Share Analysis
7.2.5.3.2.2. By Provider Type Market Share Analysis
7.2.5.3.2.3. By Interest Rate Market Share Analysis
7.2.5.3.2.4. By Tenure Market Share Analysis
7.2.5.4. Italy Unsecured Loan Market Outlook
7.2.5.4.1. Market Size & Forecast
7.2.5.4.1.1. By Value
7.2.5.4.2. Market Share & Forecast
7.2.5.4.2.1. By Type Market Share Analysis
7.2.5.4.2.2. By Provider Type Market Share Analysis
7.2.5.4.2.3. By Interest Rate Market Share Analysis
7.2.5.4.2.4. By Tenure Market Share Analysis
7.2.5.5. Spain Unsecured Loan Market Outlook
7.2.5.5.1. Market Size & Forecast
7.2.5.5.1.1. By Value
7.2.5.5.2. Market Share & Forecast
7.2.5.5.2.1. By Type Market Share Analysis
7.2.5.5.2.2. By Provider Type Market Share Analysis
7.2.5.5.2.3. By Interest Rate Market Share Analysis
7.2.5.5.2.4. By Tenure Market Share Analysis

8. Asia-Pacific Unsecured Loan Market Outlook

8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Type Market Share Analysis
8.2.2. By Provider Type Market Share Analysis
8.2.3. By Interest Rate Market Share Analysis
8.2.4. By Tenure Market Share Analysis
8.2.5. By Country Market Share Analysis
8.2.5.1. China Unsecured Loan Market Outlook
8.2.5.1.1. Market Size & Forecast
8.2.5.1.1.1. By Value
8.2.5.1.2. Market Share & Forecast
8.2.5.1.2.1. By Type Market Share Analysis
8.2.5.1.2.2. By Provider Type Market Share Analysis
8.2.5.1.2.3. By Interest Rate Market Share Analysis
8.2.5.1.2.4. By Tenure Market Share Analysis
8.2.5.2. India Unsecured Loan Market Outlook
8.2.5.2.1. Market Size & Forecast
8.2.5.2.1.1. By Value
8.2.5.2.2. Market Share & Forecast
8.2.5.2.2.1. By Type Market Share Analysis
8.2.5.2.2.2. By Provider Type Market Share Analysis
8.2.5.2.2.3. By Interest Rate Market Share Analysis
8.2.5.2.2.4. By Tenure Market Share Analysis
8.2.5.3. Japan Unsecured Loan Market Outlook
8.2.5.3.1. Market Size & Forecast
8.2.5.3.1.1. By Value
8.2.5.3.2. Market Share & Forecast
8.2.5.3.2.1. By Type Market Share Analysis
8.2.5.3.2.2. By Provider Type Market Share Analysis
8.2.5.3.2.3. By Interest Rate Market Share Analysis
8.2.5.3.2.4. By Tenure Market Share Analysis
8.2.5.4. South Korea Unsecured Loan Market Outlook
8.2.5.4.1. Market Size & Forecast
8.2.5.4.1.1. By Value
8.2.5.4.2. Market Share & Forecast
8.2.5.4.2.1. By Type Market Share Analysis
8.2.5.4.2.2. By Provider Type Market Share Analysis
8.2.5.4.2.3. By Interest Rate Market Share Analysis
8.2.5.4.2.4. By Tenure Market Share Analysis
8.2.5.5. Australia Unsecured Loan Market Outlook
8.2.5.5.1. Market Size & Forecast
8.2.5.5.1.1. By Value
8.2.5.5.2. Market Share & Forecast
8.2.5.5.2.1. By Type Market Share Analysis
8.2.5.5.2.2. By Provider Type Market Share Analysis
8.2.5.5.2.3. By Interest Rate Market Share Analysis
8.2.5.5.2.4. By Tenure Market Share Analysis

9. Middle East & Africa Unsecured Loan Market Outlook

9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Type Market Share Analysis
9.2.2. By Provider Type Market Share Analysis
9.2.3. By Interest Rate Market Share Analysis
9.2.4. By Tenure Market Share Analysis
9.2.5. By Country Market Share Analysis
9.2.5.1. Saudi Arabia Unsecured Loan Market Outlook
9.2.5.1.1. Market Size & Forecast
9.2.5.1.1.1. By Value
9.2.5.1.2. Market Share & Forecast
9.2.5.1.2.1. By Type Market Share Analysis
9.2.5.1.2.2. By Provider Type Market Share Analysis
9.2.5.1.2.3. By Interest Rate Market Share Analysis
9.2.5.1.2.4. By Tenure Market Share Analysis
9.2.5.2. UAE Unsecured Loan Market Outlook
9.2.5.2.1. Market Size & Forecast
9.2.5.2.1.1. By Value
9.2.5.2.2. Market Share & Forecast
9.2.5.2.2.1. By Type Market Share Analysis
9.2.5.2.2.2. By Provider Type Market Share Analysis
9.2.5.2.2.3. By Interest Rate Market Share Analysis
9.2.5.2.2.4. By Tenure Market Share Analysis
9.2.5.3. South Africa Unsecured Loan Market Outlook
9.2.5.3.1. Market Size & Forecast
9.2.5.3.1.1. By Value
9.2.5.3.2. Market Share & Forecast
9.2.5.3.2.1. By Type Market Share Analysis
9.2.5.3.2.2. By Provider Type Market Share Analysis
9.2.5.3.2.3. By Interest Rate Market Share Analysis
9.2.5.3.2.4. By Tenure Market Share Analysis
9.2.5.4. Turkey Unsecured Loan Market Outlook
9.2.5.4.1. Market Size & Forecast
9.2.5.4.1.1. By Value
9.2.5.4.2. Market Share & Forecast
9.2.5.4.2.1. By Type Market Share Analysis
9.2.5.4.2.2. By Provider Type Market Share Analysis
9.2.5.4.2.3. By Interest Rate Market Share Analysis
9.2.5.4.2.4. By Tenure Market Share Analysis

10. South America Unsecured Loan Market Outlook

10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Type Market Share Analysis
10.2.2. By Provider Type Market Share Analysis
10.2.3. By Interest Rate Market Share Analysis
10.2.4. By Tenure Market Share Analysis
10.2.5. By Country Market Share Analysis
10.2.5.1. Brazil Unsecured Loan Market Outlook
10.2.5.1.1. Market Size & Forecast
10.2.5.1.1.1. By Value
10.2.5.1.2. Market Share & Forecast
10.2.5.1.2.1. By Type Market Share Analysis
10.2.5.1.2.2. By Provider Type Market Share Analysis
10.2.5.1.2.3. By Interest Rate Market Share Analysis
10.2.5.1.2.4. By Tenure Market Share Analysis
10.2.5.2. Argentina Unsecured Loan Market Outlook
10.2.5.2.1. Market Size & Forecast
10.2.5.2.1.1. By Value
10.2.5.2.2. Market Share & Forecast
10.2.5.2.2.1. By Type Market Share Analysis
10.2.5.2.2.2. By Provider Type Market Share Analysis
10.2.5.2.2.3. By Interest Rate Market Share Analysis
10.2.5.2.2.4. By Tenure Market Share Analysis
10.2.5.3. Colombia Unsecured Loan Market Outlook
10.2.5.3.1. Market Size & Forecast
10.2.5.3.1.1. By Value
10.2.5.3.2. Market Share & Forecast
10.2.5.3.2.1. By Type Market Share Analysis
10.2.5.3.2.2. By Provider Type Market Share Analysis
10.2.5.3.2.3. By Interest Rate Market Share Analysis
10.2.5.3.2.4. By Tenure Market Share Analysis

11. Market Dynamics

11.1. Drivers
11.1.1. Easy Application Process
11.1.2. Non-Requirement of Collateral
11.1.3. Fast Disbursement Rate
11.2. Challenges
11.2.1. High Credit Score Requirement
11.2.2. Increasing Competition from NBFCs

12. Impact of COVID-19 on Global Unsecured Loan Market

12.1. Impact Assessment Model
12.1.1. Key Segments Impacted
12.1.2. Key Regions Impacted
12.1.3. Key Countries Impacted

13. Market Trends & Developments

13.1. Rising focus towards loan sector by Bank and NBFCs
13.2. Increasing support from chatbots
13.3. Attractive marketing strategies
13.4. surging demand in developing countries
13.5. Increase in online portals

14. Porter’s Five Forces Model

14.1. Competitive Rivalry
14.2. Bargaining Power of Buyers
14.3. Bargaining Power of Suppliers
14.4. Threat of New Entrants
14.5. Threat of Substitutes

15. SWOT Analysis

15.1. Strengths
15.2. Weaknesses
15.3. Opportunities
15.4. Threats

16. Competitive Landscape

16.1. Company Profiles
16.1.1. Bank of America Corporation
16.1.1.1. Company Details
16.1.1.2. Product & Services
16.1.1.3. Financials (As Per Availability)
16.1.1.4. Key Market Focus & Geographical Presence
16.1.1.5. Recent Developments
16.1.1.6. Key Management Personnel
16.1.2. Citigroup, Inc.
16.1.2.1. Company Details
16.1.2.2. Product & Services
16.1.2.3. Financials (As Per Availability)
16.1.2.4. Key Market Focus & Geographical Presence
16.1.2.5. Recent Developments
16.1.2.6. Key Management Personnel
16.1.3. Wells Fargo & Co.
16.1.3.1. Company Details
16.1.3.2. Product & Services
16.1.3.3. Financials (As Per Availability)
16.1.3.4. Key Market Focus & Geographical Presence
16.1.3.5. Recent Developments
16.1.3.6. Key Management Personnel
16.1.4. U.S. Bancorp
16.1.4.1. Company Details
16.1.4.2. Product & Services
16.1.4.3. Financials (As Per Availability)
16.1.4.4. Key Market Focus & Geographical Presence
16.1.4.5. Recent Developments
16.1.4.6. Key Management Personnel
16.1.5. PNC Financial Services Group, Inc.
16.1.5.1. Company Details
16.1.5.2. Product & Services
16.1.5.3. Financials (As Per Availability)
16.1.5.4. Key Market Focus & Geographical Presence
16.1.5.5. Recent Developments
16.1.5.6. Key Management Personnel
16.1.6. American Express Company
16.1.6.1. Company Details
16.1.6.2. Product & Services
16.1.6.3. Financials (As Per Availability)
16.1.6.4. Key Market Focus & Geographical Presence
16.1.6.5. Recent Developments
16.1.6.6. Key Management Personnel
16.1.7. Ally Financial Inc.
16.1.7.1. Company Details
16.1.7.2. Product & Services
16.1.7.3. Financials (As Per Availability)
16.1.7.4. Key Market Focus & Geographical Presence
16.1.7.5. Recent Developments
16.1.7.6. Key Management Personnel
16.1.8. Truist Financial Corporation
16.1.8.1. Company Details
16.1.8.2. Product & Services
16.1.8.3. Financials (As Per Availability)
16.1.8.4. Key Market Focus & Geographical Presence
16.1.8.5. Recent Developments
16.1.8.6. Key Management Personnel
16.1.9. Bank of China
16.1.9.1. Company Details
16.1.9.2. Product & Services
16.1.9.3. Financials (As Per Availability)
16.1.9.4. Key Market Focus & Geographical Presence
16.1.9.5. Recent Developments
16.1.9.6. Key Management Personnel
16.1.10. HDFC Bank Ltd.
16.1.10.1. Company Details
16.1.10.2. Product & Services
16.1.10.3. Financials (As Per Availability)
16.1.10.4. Key Market Focus & Geographical Presence
16.1.10.5. Recent Developments
16.1.10.6. Key Management Personnel

17. Strategic Recommendations/Action Plan

17.1. Key Focus Areas
17.2. Target Type
17.3. Target Provider Type

18. About the Analyst & Disclaimer

(Note: The list of companies can be customized based on requirments.)

Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

Bank of America Corporation
Citigroup, Inc.
Wells Fargo & Co.
U.S. Bancorp
PNC Financial Services Group, Inc.
American Express Company
Ally Financial Inc.
Truist Financial Corporation
Bank of China
HDFC Bank Ltd.

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Market Segmentation

Company Profiles

Report Scope

Global Unsecured Loan Market, by Type:

Global Unsecured Loan Market, by Provider Type:

Global Unsecured Loan Market, by Interest Rate:

Global Unsecured Loan Market, by Tenure:

Global Unsecured Loan Market, by Region:

Competitive Landscape

Available Customizations

Table of Contents

Companies Mentioned (Partial List)

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