The car finance market in France

In France, LOA (lease with purchase option) accounts for nearly 92% of new-car finance granted to private customers in 2025, or €9.9bn out of €10.8bn, according to the ASF; secured credit falls to €0.8bn. On used cars, LOA grows 22.2% to €2.7bn. In the first half of 2026, it overtakes secured credit on that segment for the first time: €1,393m against €1,363m.

Used-car finance in France fell 1.2% in 2025 to €5.7bn, while used-car registrations rose 0.8% to 5.4 million units, according to the ASF. Secured credit dropped 15.8% to €3bn, while LOA advanced 22.2%. The trend continues in the first half of 2026: used-car finance is down 3.6% at €2.76bn, with LOA up 7% and secured credit down 12.4%.

According to the ASF, specialist lenders financed more than 316,000 electric and hybrid vehicles in France through secured credit and LOA in 2025, for nearly €7.1bn, up 11.9%. They represent 42.9% of the amounts financed. Social leasing supported demand: the French Ministry of the Economy announced in January 2026 that the 50,000-car envelope of the 2025 edition had been reached, according to the Banque des Territoires.

Car finance in France is dominated by carmakers’ captive finance arms, present in dealerships, alongside banks’ specialist subsidiaries and long-term rental companies. Mobilize Financial Services, Renault Group’s captive, granted €22.3bn of new financing worldwide in 2025 (+3.3%) and finances 41.1% of vehicles sold by the group’s brands. For dealers, financing commissions have become a margin lever, according to Le Journal de l’automobile.

Ordonnance n° 2025-880 of 3 September 2025 transposes into French law Directive (EU) 2023/2225 on consumer credit. From 20 November 2026, the new rules also apply to lease-with-purchase-option contracts and to loans of €75,000 to €100,000, according to Service-public.fr. For car finance in France, this strengthens information and creditworthiness-assessment obligations on a product, LOA, that carries most new-car sales.

A PDF report in French, 2026 edition, organised in six chapters: scope and products of car finance, market size and dynamics, demand from private customers and businesses, players, regulation and cost of credit, and outlook.

Statistics from the Association française des sociétés financières (ASF), publications from captives and credit institutions, official texts on consumer credit and trade press articles from the IndexPresse database. Every figure comes with its source and period.

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Finance companies and banks, carmakers and their captives, car dealers, long-term rental companies and brokers, as well as consultants and investors who need to understand the car finance market in France.

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