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Consumer Credit in Brazil

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    Report

  • 16 Pages
  • January 2026
  • Region: Brazil
  • Euromonitor International
  • ID: 1449300
Consumer credit is growing in terms of both outstanding balance and gross lending. In a challenging economic environment, many Brazilian consumers are being forced to turn to credit options to meet their household spending needs.

This Consumer Credit in Brazil 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

KEY DATA FINDINGS
2025 DEVELOPMENTS
  • Economic challenges force consumers to turn to credit options
INDUSTRY PERFORMANCE
  • Credit cards popular in Brazil
  • Other personal lending sees strongest growth
  • Developments in BNPL
WHAT’S NEXT?
  • Loans are more expensive and less accessible
  • Other personal lending, card lending and auto lending to maintain importance
  • Fintech players to play an increasingly significant role
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 REPORTSCONSUMER LENDING IN BRAZIL
EXECUTIVE SUMMARY
  • Slower growth in 2025
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
  • Old and new challenges
  • Slowdown in growth
  • BNPL boosted by rising inflation and population debt
WHAT’S NEXT?
  • Central Bank of Brazil monitors impact of sports betting on debt
  • Selic rate expected to remain high in short term
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
SOURCES
  • Summary 1 Research Sources