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Consumer Lending in the US
Nov 2020
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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!
COVID-19 impact on consumer lending
When COVID-19 hit the US in earnest in March 2020, much of the country locked down. Non-essential businesses were shuttered as citizens were encouraged to stay home.
COVID-19 country impact
As early as 31 January, US health officials issued quarantine orders to US citizens evacuated from Wuhan, China, amid the COVID-19 outbreak there. From 2 February, entry was restricted from China, with this later extended to virus-hit Iran and Italy.
Education lending finally faces its reckoning
Having increased sharply for years, the outstanding balance for education lending hit a record of USD1.6 trillion in 2020, feeding a student debt crisis of endemic proportions.
Mortgage rates fall to 50-year low
After experiencing strong growth in 2019, gross lending for mortgages/housing fell again in 2020, despite low interest rates softening the impact. Home sales dropped precipitously as the US economy shut down in March and April.
Regulators roll back restrictions on payday lending
As unemployment skyrockets and bills become due, consumers have gravitated towards other methods of lending. Use of personal loans, for example, increased in 2020, as consumers looked to ease the financial hardship wrought by record unemployment.
What next for consumer lending?
The road to recovery for consumer lending largely hinges on the continued economic impact COVID-19 has on the US. The cycle of shutting down and reopening as the country struggles to contain the virus will not be kind to the economy, nor to consumers’ participation in it.
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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 USA 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 USA, our research will save you time and money while empowering you to make informed, profitable decisions.
The Consumer Lending in USA 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 USA?
- What are the major trends set to impact the market in USA?
- 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 USA, 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.
Want to find out more about this report?
Request more informationTable of Contents
Consumer Lending in the US - Industry Overview
EXECUTIVE SUMMARY
COVID-19 impact on consumer lending
COVID-19 country impact
Education lending finally faces its reckoning
Mortgage rates fall to 50-year low
Regulators roll back restrictions on payday lending
What next for consumer lending?
MARKET DATA
Table 1 Consumer Lending: Outstanding Balance by Category: Value 2015-2020Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020
Table 3 Consumer Lending: Gross Lending by Category: Value 2015-2020
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2020-2025
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2020-2025
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
DISCLAIMER
GLOBAL MACROECONOMIC ENVIRONMENT
GLOBAL INDUSTRY ENVIRONMENT
SOURCES
Summary 1 Research SourcesConsumer Credit in the US - Category analysis
KEY DATA FINDINGS
2020 IMPACT
COVID-19 upends economy, causing deep uncertainty
Consumer spending contraction causes decrease in demand for credit
Loan forbearance amidst government support
RECOVERY AND OPPORTUNITIES
Recovery timeline for consumer credit contingent on return of spending
Non-card lending shows promise in 2021
Long-term shift in borrowing behaviour
CATEGORY DATA
Table 13 Consumer Credit: Outstanding Balance by Category: Value 2015-2020Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020
Table 15 Consumer Credit: Gross Lending by Category: Value 2015-2020
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2020-2025
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2020-2025
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025
Why buy this report?
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Request more informationComplete Catalogue
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- Consumer Lending in Austria | Dec 2020
- Consumer Lending in Brazil | Nov 2020
- Consumer Lending in Canada | Nov 2020
- Consumer Lending in Chile | Jan 2021
- Consumer Lending in China | Nov 2020
- Consumer Lending in Colombia | Nov 2020
- Consumer Lending in Denmark | Nov 2020
- Consumer Lending in Egypt | Nov 2020
- Consumer Lending in France | Nov 2020
- Consumer Lending in Germany | Nov 2020
- Consumer Lending in Greece | Nov 2020
- Consumer Lending in Hong Kong, China | Nov 2020
- Consumer Lending in Hungary | Nov 2020
- Consumer Lending in India | Nov 2020
- Consumer Lending in Indonesia | Nov 2020
- Consumer Lending in Israel | Dec 2020
- Consumer Lending in Italy | Nov 2020
- Consumer Lending in Japan | Nov 2020
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- Consumer Lending in Spain | Nov 2020
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- Consumer Lending in Taiwan | Nov 2020
- Consumer Lending in Thailand | Nov 2020
- Consumer Lending in the Czech Republic | Nov 2020
- Consumer Lending in the Netherlands | Nov 2020
- Consumer Lending in the Philippines | Nov 2020
- Consumer Lending in the United Arab Emirates | Nov 2020
- Consumer Lending in the United Kingdom | Oct 2020
- Consumer Lending in Turkey | Nov 2020
- Consumer Lending in Ukraine | Dec 2020
- Consumer Lending in Venezuela | Oct 2018
- Consumer Lending in Vietnam | Nov 2020
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Company Reports
- UnionPay International | Aug 2017