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Country Report

Consumer Lending in

Consumer Lending in the United Kingdom

Oct 2019

US$990

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Brexit continues to affect consumer confidence and thus borrowing

Growth in both the outstanding balance and gross lending slowed within consumer lending in current value terms in 2019, as economic uncertainty led to lower consumer confidence. A slowdown in borrowing activity was seen in the UK, particularly for unsecured debt, as consumers exhibited a low appetite for borrowing due to the unstable economic conditions.

Bank of England base rate remains low; Brexit could lead to changes

As of mid-October 2019, the Bank of England (BoE) base rate stood at 0.75%, unchanged since August 2018, when it was raised for the second time in a decade, up from 0.

Open banking set to shake up consumer lending

New EU regulation requires banks to disclose information on customers’ account data to third-party companies. Known as open banking, this aims to foster competition in the marketplace.

Mortgages lending sees lower growth due to economic uncertainty

The trend towards lower levels of borrowing was also observed in mortgages/housing in 2019, with slowing growth in both the outstanding balance and gross lending in current value terms. Despite the slowing growth of house prices due to Brexit uncertainty, demand for housing and supply activity weakened due to the uncertain economic prospects.

Consumer lending under threat due to risk of global recession

Consumer lending is expected to continue to see current value growth in both the outstanding balance and gross lending in all categories in the forecast period. Card lending and education lending are expected to see the strongest increases in gross lending.

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Overview

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Overview

Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in United Kingdom with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Consumer Lending industry in United Kingdom, our research will save you time and money while empowering you to make informed, profitable decisions.

The Consumer Lending in United Kingdom market research report includes:

Analysis of key supply-side and demand trends
Historic volumes and values
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Consumer Lending in United Kingdom?
What are the major trends set to impact the market in United Kingdom?
What capacity for consumer debt still exists in the market?
What’s the state of credit quality in the market?
Has the economic downturn reset the lender competitive landscape?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Consumer Lending in United Kingdom, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Consumer Lending in the United Kingdom - Industry Overview

EXECUTIVE SUMMARY

Brexit continues to affect consumer confidence and thus borrowing

Bank of England base rate remains low; Brexit could lead to changes

Open banking set to shake up consumer lending

Mortgages lending sees lower growth due to economic uncertainty

Consumer lending under threat due to risk of global recession

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2014-2019
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2014-2019
Table 3 Consumer Lending: Gross Lending by Category: Value 2014-2019
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2014-2019
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2019-2024
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2019-2024
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2019-2024
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2019-2024

SOURCES

Summary 1 Research Sources

Consumer Credit in the United Kingdom - Category analysis

HEADLINES

PROSPECTS

Consumer confidence falls, negatively impacting consumer credit

Brexit uncertainty and environmental concerns hit auto lending

Greater concerns over the ability to pay back debt

COMPETITIVE LANDSCAPE

Fintech companies have an innovative approach

Peer to peer lending gains ground; the potential end of payday loans

Open banking set to intensify the competition

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2014-2019
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2014-2019
Table 15 Consumer Credit: Gross Lending by Category: Value 2014-2019
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2014-2019
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2019-2024
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2019-2024
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2019-2024
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2019-2024

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Megatrends

Country Report

Consumer Lending in the United Kingdom

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Executive Summary

New Report Guarantee

Brexit continues to affect consumer confidence and thus borrowing

Bank of England base rate remains low; Brexit could lead to changes

Open banking set to shake up consumer lending

Mortgages lending sees lower growth due to economic uncertainty

Consumer lending under threat due to risk of global recession

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Consumer Lending in the United Kingdom - Industry Overview

EXECUTIVE SUMMARY

Brexit continues to affect consumer confidence and thus borrowing

Bank of England base rate remains low; Brexit could lead to changes

Open banking set to shake up consumer lending

Mortgages lending sees lower growth due to economic uncertainty

Consumer lending under threat due to risk of global recession

MARKET DATA

SOURCES

Consumer Credit in the United Kingdom - Category analysis

HEADLINES

PROSPECTS

Consumer confidence falls, negatively impacting consumer credit

Brexit uncertainty and environmental concerns hit auto lending

Greater concerns over the ability to pay back debt

COMPETITIVE LANDSCAPE

Fintech companies have an innovative approach

Peer to peer lending gains ground; the potential end of payday loans

Open banking set to intensify the competition

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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Megatrends

Country Report

Consumer Lending in the United Kingdom

New Report Guarantee

Executive Summary

New Report Guarantee

Brexit continues to affect consumer confidence and thus borrowing

Bank of England base rate remains low; Brexit could lead to changes

Open banking set to shake up consumer lending

Mortgages lending sees lower growth due to economic uncertainty

Consumer lending under threat due to risk of global recession

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Consumer Lending in the United Kingdom - Industry Overview

EXECUTIVE SUMMARY

Brexit continues to affect consumer confidence and thus borrowing

Bank of England base rate remains low; Brexit could lead to changes

Open banking set to shake up consumer lending

Mortgages lending sees lower growth due to economic uncertainty

Consumer lending under threat due to risk of global recession

MARKET DATA

SOURCES

Consumer Credit in the United Kingdom - Category analysis

HEADLINES

PROSPECTS

Consumer confidence falls, negatively impacting consumer credit

Brexit uncertainty and environmental concerns hit auto lending

Greater concerns over the ability to pay back debt

COMPETITIVE LANDSCAPE

Fintech companies have an innovative approach

Peer to peer lending gains ground; the potential end of payday loans

Open banking set to intensify the competition

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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