The consumer credit market - France
An analysis with all the essential information for a clear, complete and quantified view of this market.
SectorAI — Query French markets. Access the data that makes the difference.
Ask the questions you care about on any market — including niche or emerging ones.
Get reliable answers built from private professional content, inaccessible to generalist AIs (GPT, Gemini, Mistral, etc.).
Study Overview
A consumer credit is a loan granted by a financial institution, directly or through a merchant, to a private individual acting for non-business purposes. Worth between €200 and €75,000, it is used to finance the purchase of consumer goods (furniture, computers, cars, etc.) with the exception of real estate. There are several forms of consumer credit. They operate on two principles:
the credit can be allocated to the purchase of an item determined at the time the contract is taken out (car, household appliances, travel, etc.). In this case, the credit obtained must be used solely to pay for the good in question; the credit may be unrestricted. In this case, you can use the sum borrowed as you wish, whether to purchase a consumer good or any other service. Personal loans and revolving credit fall into this category.
Read moreShow less
The French consumer credit market is growing After significant growth since 2015, boosted by falling interest rates, the sector is going through a difficult period in 2023 due to rising interest rates. Outstanding consumer credit stabilized at 211 billion euros in November 2024, with an annual credit growth rate of 2.4%. This rebound takes place against a more favorable backdrop for borrowers.For many months, the decline in household purchasing power due to inflation had been exerting a negative influence on demand in a market that was already struggling. The market is characterized by accelerating digitalization, manifested by the digital transformation of existing players, but also by the emergence of more and more FinTechs. The success of Younited Credit is indicative of this transformation of the sector.
Key takeaways
- Growth and sector challenges
- Demand analysis
- Market structure and organization
- Supply and pricing analysis
- Player segmentation
- Latest trends and innovations
Our methodology
Our method combines human expertise and a large corpus of sources, including exclusive and private data, for optimal understanding of the sector
Broad source base
- • National, international, and private databases
- • Professional press and polling institutes
- • Industry reports, company financial statements...
Exclusive data
- • Indexpresse sectoral database
- • Preferred Brands database
- • Expert interviews and proprietary indicators
Human expertise
- • Experienced research analysts
- • Know-how developed through 1500+ studies
- • In-depth and rigorous analysis
Visual and actionable reports
- • Graphic studies with synthetic structure
- • Downloadable data
- • Link to original sources
Sommaire
1. Market overview
- 1.1 Definition and scope of the study
- 1.2 Growth in the European market
- 1.3 The French market: in difficulty as interest rates rise
- 1.4 The Covid-19 effect
2. Demand analysis
- 2.1 Borrower profile
- 2.2 Microeconomic determinants of demand
- 2.3 Macroeconomic determinants of demand
3. Market structure
- 3.1 The value chain
- 3.2 The main players
- 3.3 Digitizing the market
4. Offer analysis
- 4.1 Offer typology
- 4.2 Breakdown of credits by category
- 4.3 Consumer credit interest rates
5. Regulations
- 5.1 Regulations
The consumer credit market - France
Similar studies
The work brokerage market - France
The neobank market - France
The payment terminal market - France
The credit insurance market - France
What our clients say
Frequently asked questions
You can contact us for any request (catalog of available studies, subscription, information about a study, custom study, ...)