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Consumer Credit in Spain

Publisher Euromonitor International
Published Feb 09, 2026
Length 17 Pages
SKU # EP20884020

Description

Consumer credit maintained positive growth in Spain in 2025, albeit at lower rates of growth in consumer credit gross lending values (5%) compared to those seen in 2024 (10%). Meanwhile, consumer credit outstanding balance values increased by 2% in 2025, at a small decline in growth compared to 2024 (3%).

Euromonitor International's Consumer Credit in Spain 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

17 Pages
Consumer Credit in Spain
Euromonitor International
February 2026
List Of Contents And Tables
CONSUMER CREDIT IN SPAIN
KEY DATA FINDINGS
2025 DEVELOPMENTS
Consumer credit maintains positive growth, reflecting a recovering economy
INDUSTRY PERFORMANCE
Consumer credit growth supported by recovering consumer spending confidence
Credit card lending continued to grow, but is under pressure of BNPL
BNPL continues to rise as a modern credit option
WHAT’S NEXT?
Consumer lending will remain positive, with stable levels of growth
Shift in customer preferences to shape the future of card lending in Spain
BNPL will continue to grow—albeit under the careful watch of financial supervisors
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 SPAIN
EXECUTIVE SUMMARY
Consumer lending maintains positive growth, reflecting a recovering economy
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Personal loans benefit from rise of fast-approval fintechs and neobanks
Decline in Euribor supports in new mortgage loans
BNPL overtakes overdrafts in share in other personal lending
WHAT’S NEXT?
An ongoing stable performance expected for consumer lending
Auto lending will remain supported by ongoing move towards electric vehicles
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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