+353-1-416-8900REST OF WORLD
+44-20-3973-8888REST OF WORLD
1-917-300-0470EAST COAST U.S
1-800-526-8630U.S. (TOLL FREE)
New

Consumer Credit in Australia

  • PDF Icon

    Report

  • 14 Pages
  • January 2026
  • Region: Australia
  • Euromonitor International
  • ID: 1541481
The outstanding balance of consumer credit grew moderately in 2025. The Reserve Bank of Australia lowered interest rates, enabling more debt to be repaid, while gross lending was lower than in previous years of the review period.

This Consumer Credit in Australia 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
  • Lower interest rates encourage many to repay debts
INDUSTRY PERFORMANCE
  • Reduction in interest rates and gross lending inhibits the growth of outstanding balance in 2025
  • Durables lending leads consumer credit in terms of growth
  • Buy Now Pay Later maintains growth despite concerns around growing debt
WHAT’S NEXT?
  • Steady growth forecast for outstanding balance of consumer credit
  • Change in BNPL regulation set to impact growth of other personal lending
  • Alternative lenders set to gain share over the forecast period
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 AUSTRALIA
EXECUTIVE SUMMARY
  • Inflation and cost pressures boost lending
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
  • Consumer lending remains vital amid high cost of living
  • Home ownership becomes more affordable thanks to government’s new deposit scheme
  • Buy Now, Pay Later sees regulatory change
  • AMP launches 10-year interest-only loan
  • Mortgages and housing lending maintain steady growth amid strong consumer demand
WHAT’S NEXT?
  • Positive outlook for consumer lending over the forecast period
  • Interest rate reductions set to benefit borrowers
  • Debt reduction strategies will be a key focus in the coming years
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