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Consumer Credit in the Netherlands

Publisher Euromonitor International
Published Mar 05, 2026
Length 14 Pages
SKU # EP20964461

Description

Consumer credit in the Netherlands saw continued activity across targeted lending categories in 2025. Home loans continued to support sustainability-focused renovations, while auto financing benefited with electric vehicle purchases and associated higher upfront costs. Education lending remained a key component of consumer credit, influenced by tuition levels, living expenses, and repayment structures of government-backed loans. BNPL emerged as a notable non-traditional credit method, particular...

Euromonitor International's Consumer Credit in Netherlands 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

14 Pages
Consumer Credit in the Netherlands
Euromonitor International
March 2026
List Of Contents And Tables
CONSUMER CREDIT IN THE NETHERLANDS
KEY DATA FINDINGS
2025 DEVELOPMENTS
Consumer credit is supported by targeted borrowing behaviour
INDUSTRY PERFORMANCE
Consumer credit balances rise in 2025
Education lending is most dynamic category
BNPL shows strong growth
WHAT’S NEXT?
Consumer credit balances set to rise
Auto lending will support growth while housing lending will remain fairly stable
BNPL is set to rise as traditional, unspecified personal loans decline
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 REPORTS DISCLAIMER
CONSUMER LENDING IN THE NETHERLANDS
EXECUTIVE SUMMARY
Consumer lending is supported by goal-oriented loans and BNPL growth
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Discontinuation of credit cards leads to decline in gross consumer lending
Mortgage lending rises on back of strong house prices
BPNL emerges as key component of consumer lending
WHAT’S NEXT?
Consumer lending set to grow
Mortgage/housing lending will remain robust
Education lending will remain key category
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 DISCLAIMER
SOURCES
Summary 1 Research Sources

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