個人向けローンの世界市場規模、シェア、動向、機会、予測、2018-2028F目的別（債務整理ローン、クレジットカード借り換えローン、住宅改善ローン、一般購入ローン、引っ越し・移転ローン、その他（医療費ローン、結婚ローン、休暇ローン、自動車修理ローンなど。エンドユーザー別（有職者、専門職、学生、起業家、その他（専業主婦、無職、退職者など））、勤続年数別（2年未満、2年以上4年未満、4年以上）、地域別、競争率

Personal Loan Market Global Industry Size, Share, Trends, Opportunity, and Forecast, 2018-2028FSegmented By Purpose (Debt Consolidation Loan, Credit Card Refinance Loan, Home Improvement Loan, General Purchase Loan, Moving and Relocation Loan, and Others (Medical Expenses Loan, Wedding Loan, Vacation Loan, Car Repair Loan, etc.)), By End User (Employed Individuals, Professionals, Students, Entrepreneur, Others (Homemaker, Unemployed, Retired, etc.)), By Tenure (Less than 2 Years, 2 Years to 4 Years, More than 4 Years), By Region, Competition

世界の個人ローン市場は、予測期間中に力強い成長を遂げると予測されている。世界的な経済成長により、個人向けローンの需要が大幅に増加し、世界の個人向けローン産業に直接良い影響を及ぼしている。債務整理ロ... もっと見る

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TechSci Research テックサイリサーチ	2023年10月3日	US$4,900 シングルユーザライセンスライセンス・価格情報・注文方法はこちら	188	英語

サマリー

世界の個人ローン市場は、予測期間中に力強い成長を遂げると予測されている。世界的な経済成長により、個人向けローンの需要が大幅に増加し、世界の個人向けローン産業に直接良い影響を及ぼしている。債務整理ローン、クレジットカードの借り換えローン、住宅改善ローン、一般購入ローン、引っ越し・移転ローンなど、個人の間で個人ローンに対する需要が高まっていることも、個人ローン業界の成長に大きな影響を与えている。
個人ローンは、クローズドエンドで無担保の信用供与であり、分割払いローンや消費者ローンとも呼ばれる。つまり、住宅ローンや一部の自動車ローンとは対照的に、担保を必要としない。また、クレジットカードとは異なり、一定期間の支払いが固定されている。
消費者ローン商品の中で最も急速に伸びているのが個人ローンである。2022年第3四半期時点の個人ローン残高は2,096億ドルであった。個人ローン残高は2013年以降、3年（2017年、2020年、2021年）を除いて毎年2桁で増加している。個人ローン残高は2020年にほぼ3％減少した。2021年にはプラス成長が加速し（5.6％）、2022年の第3四半期末には爆発的に増加した（34％）。クレジットカードに比べ、個人ローンは金利が低い： 8.2022年4月1日現在で73％。(商業銀行の24ヶ月ローン）。
近年、アジア太平洋地域でも個人ローンの需要が拡大している。今後数十年間で、アジアの消費者は世界消費の伸びの半分を占めると予想されており、10兆米ドルの成長機会がある。中流以上の所得を持つ世帯の2世帯に1世帯がアジアに存在し、消費者取引の2件に1件がアジアで行われると予測されている。さらに、これらの国々では人口が増加しており、生活水準を向上させるために常に融資が必要であり、そのために消費者は個人ローンに大きく依存している。インド、マレーシア、バングラデシュ、中国、韓国などの発展途上国もまた、個人ローン会社にとって、サービスを拡大する大きなチャンスである。そのため、個人ローンの需要は長期的に安定していると予想される。
金融機関は当初、COVID-19の経済不安を受けて融資条件を厳しくし、借り手の雇用と収入の確認に引受努力を集中し始めた。しかし、貸し手は2020年代後半に一転して、新規借り手を呼び込むために基準を引き下げた。トランスユニオンによると、2021年第1四半期にサブプライム層からの融資実行件数は71％増加した。2022年の記録的なインフレで最も大きな打撃を受けたのは、信用力が低く予算が厳しい消費者で、個人向けローンの延滞率が上昇した。
フィンテック・レンダーの台頭が市場成長を後押し
フィンテックレンダーとは、引受、リスク分析、資金調達、マーケティングを金融テクノロジーに頼るオンライン金融業者のことである。現在では、従来の銀行や信用組合を含むほとんどの金融業者がこの説明に当てはまる。しかし、この言葉は通常、新興企業や、オンラインのみで事業を展開し、代替データソースとともに新たな与信モデルを利用する比較的新しい企業を表すために使用される。個人向け無担保ローンの急速な拡大には、テクノロジーが大きく貢献している。貸し手は現在、信用スコアリングのためのツールだけでなく、豊富な財務情報にもアクセスできるようになり、より良い融資決定を下すのに役立っている。人間の判断だけに頼るのではなく、応用統計学がますます意思決定に用いられるようになっている。これにより、個人向け無担保ローンの引き受けが迅速化され、コストが削減され、実行可能性が確保される。当面、この傾向は続くと予想される。さらに、デジタル・プラットフォームに対する顧客の信頼もここ数年で高まっている。
個人ローンの利用しやすさが市場を後押し
市場の成長に影響を与える重要な要因は、個人ローンの利用基準を引き下げることで需要が加速していることである。多くの書類を必要とする住宅ローンやゴールドローンのような他のローンと比較して、個人ローンは要件が少なく、迅速な承認プロセスを持っています。オンライン個人ローンは、通常、金融機関を通じて数時間以内に融資が実行されます。個人ローン業者を選ぶもう一つの大きな利点は、ローンの期間を自由に選べることです。
過剰な手数料と違約金が市場成長の妨げに
ローン回収の問題は、個人ローン市場を大きく阻害している。その結果、さまざまな個人ローン業者が、過剰な手数料や違約金をローンに適用し、借入コストをさらに増加させている。ローンによっては、融資額の1％から6％の手数料がかかるものもある。手数料はローンに組み込まれるか、借り手に渡されるお金から引かれる。さらに、多くの金融業者は、借り手がローン期間終了前に残高を清算した場合、期限前返済手数料を課す。さらに、消費者が個人ローンを申し込む前に、手数料や違約金などの細かい条件を無視すると、貸金業者に対する不信感を抱くようになる。結果として、これが個人ローン市場の拡大を阻む大きな要因の一つとなっている。
市場の細分化
世界の個人ローン市場は、目的、エンドユーザー、金利、期間、地域、競争環境に基づいてセグメント化される。目的に基づけば、市場はさらに債務一本化ローン、クレジットカード借り換えローン、住宅改善ローン、一般購入ローン、引っ越し・移転ローン、その他（医療費ローン、結婚ローン、休暇ローン、自動車修理ローンなど）に細分化される。エンドユーザー別では、被雇用者、専門職、学生、起業家、その他（主婦、無職、退職者など）に分類される。勤続年数に基づき、市場は2年未満、2年以上4年未満、4年以上に区分される。市場分析では地域区分も調査しており、北米、欧州、アジア太平洋、中東＆アフリカ、南米に区分される。
企業プロフィール
Avant, LLC、Goldman Sachs (Marcus)、Wells Fargo & Co.、Barclays PLC、DBS Bank Ltd、JPMorgan Chase & Co.、American Express Company、Citigroup, Inc.、Truist Financial Corporation、Social Finance, Inc.、LendingClub Bankは、世界の個人ローン市場の成長をリードするグローバルプラットフォームにおける主要な市場プレーヤーである。
レポートの範囲
本レポートでは、パーソナルローンの世界市場を、以下に詳述する業界動向に加えて、以下のカテゴリーに分類しています：
- 世界の個人ローン市場、目的別
o 債務一本化ローン
o クレジットカード借り換えローン
o 住宅改善ローン
o 一般購入ローン
o 引越し・移転ローン
o その他
- 個人向けローンの世界市場、エンドユーザー別
o 雇用されている個人
o 専門職
o 学生
o 起業家
o その他
- 個人ローンの世界市場、勤続年数別
o 2年未満
o 2年以上4年未満
o 4年以上
- 個人ローンの世界市場：地域別
o 北米
 米国
 カナダ
 メキシコ
欧州
 イギリス
 ドイツ
 イタリア
 フランス
 スペイン
o アジア太平洋
 中国
 インド
 日本
 韓国
 オーストラリア
中東・アフリカ
 UAE
 南アフリカ
 トルコ
 サウジアラビア
o 南米
 ブラジル
 アルゼンチン
 コロンビア
競争状況
企業プロフィール：世界のパーソナルローン市場における主要企業の詳細分析。
利用可能なカスタマイズ：
TechSci Research社は、与えられた市場データをもとに、企業固有のニーズに応じたカスタマイズを提供しています。本レポートでは以下のカスタマイズが可能です：
企業情報
- 追加市場参入企業（最大5社）の詳細分析とプロファイリング

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1. Introduction
1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments
4. Voice of Customer Analysis
4.1. Sample Size Determination
4.2. Respondent Demographics
4.2.1. By Gender
4.2.2. By Age
4.2.3. By Occupation
4.3. Brand Awareness
4.4. Factors Influencing Availing Loan Decision
4.5. Sources of Information
4.6. Challenges Faced After Availing Loan
5. Global Personal Loan Market Outlook
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Purpose Market Share Analysis (Debt Consolidation Loan, Credit Card Refinance Loan, Home Improvement Loan, General Purchase Loan, Moving and Relocation Loan, and Others (Medical Expenses Loan, Wedding Loan, Vacation Loan, Car Repair Loan, etc.))
5.2.2. By End User Market Share Analysis (Employed Individuals, Professionals, Students, Entrepreneur, Others (Homemaker, Unemployed, Retired, etc.))
5.2.3. By Tenure Market Share Analysis (Less than 2 Years, 2 years to 4 Years, More than 4 Years)
5.2.4. By Regional Market Share Analysis
5.2.4.1. North America Market Analysis
5.2.4.2. Europe Market Analysis
5.2.4.3. Asia -Pacific Market Analysis
5.2.4.4. Middle East & Africa Market Analysis
5.2.4.5. South America Market Analysis
5.2.5. By Top 5 Companies Market Share Analysis, Others (2022)
5.3. Global Personal Loan Market Mapping & Opportunity Assessment
5.3.1. By Purpose Market Mapping & Opportunity Assessment
5.3.2. By End User Market Mapping & Opportunity Assessment
5.3.3. By Tenure Market Mapping & Opportunity Assessment
5.3.4. By Regional Market Mapping & Opportunity Assessment
6. North America Personal Loan Market Outlook
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Purpose Market Share Analysis
6.2.2. By End User Market Share Analysis
6.2.3. By Tenure Market Share Analysis
6.2.4. By Country Market Share Analysis
6.2.4.1. United States Personal Loan Market Outlook
6.2.4.1.1. Market Size & Forecast
6.2.4.1.1.1. By Value
6.2.4.1.2. Market Share & Forecast
6.2.4.1.2.1. By Purpose Market Share Analysis
6.2.4.1.2.2. By End User Market Share Analysis
6.2.4.1.2.3. By Tenure Market Share Analysis
6.2.4.2. Canada Personal Loan Market Outlook
6.2.4.2.1. Market Size & Forecast
6.2.4.2.1.1. By Value
6.2.4.2.2. Market Share & Forecast
6.2.4.2.2.1. By Purpose Market Share Analysis
6.2.4.2.2.2. By End User Market Share Analysis
6.2.4.2.2.3. By Tenure Market Share Analysis
6.2.4.3. Mexico Personal Loan Market Outlook
6.2.4.3.1. Market Size & Forecast
6.2.4.3.1.1. By Value
6.2.4.3.2. Market Share & Forecast
6.2.4.3.2.1. By Purpose Market Share Analysis
6.2.4.3.2.2. By End User Market Share Analysis
6.2.4.3.2.3. By Tenure Market Share Analysis
7. Europe Personal Loan Market Outlook
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Purpose Market Share Analysis
7.2.2. By End User Market Share Analysis
7.2.3. By Tenure Market Share Analysis
7.2.4. By Country Market Share Analysis
7.2.4.1. Germany Personal Loan Market Outlook
7.2.4.1.1. Market Size & Forecast
7.2.4.1.1.1. By Value
7.2.4.1.2. Market Share & Forecast
7.2.4.1.2.1. By Purpose Market Share Analysis
7.2.4.1.2.2. By End User Market Share Analysis
7.2.4.1.2.3. By Tenure Market Share Analysis
7.2.4.2. France Personal Loan Market Outlook
7.2.4.2.1. Market Size & Forecast
7.2.4.2.1.1. By Value
7.2.4.2.2. Market Share & Forecast
7.2.4.2.2.1. By Purpose Market Share Analysis
7.2.4.2.2.2. By End User Market Share Analysis
7.2.4.2.2.3. By Tenure Market Share Analysis
7.2.4.3. United Kingdom Personal Loan Market Outlook
7.2.4.3.1. Market Size & Forecast
7.2.4.3.1.1. By Value
7.2.4.3.2. Market Share & Forecast
7.2.4.3.2.1. By Purpose Market Share Analysis
7.2.4.3.2.2. By End User Market Share Analysis
7.2.4.3.2.3. By Tenure Market Share Analysis
7.2.4.4. Italy Personal Loan Market Outlook
7.2.4.4.1. Market Size & Forecast
7.2.4.4.1.1. By Value
7.2.4.4.2. Market Share & Forecast
7.2.4.4.2.1. By Purpose Market Share Analysis
7.2.4.4.2.2. By End User Market Share Analysis
7.2.4.4.2.3. By Tenure Market Share Analysis
7.2.4.5. Spain Personal Loan Market Outlook
7.2.4.5.1. Market Size & Forecast
7.2.4.5.1.1. By Value
7.2.4.5.2. Market Share & Forecast
7.2.4.5.2.1. By Purpose Market Share Analysis
7.2.4.5.2.2. By End User Market Share Analysis
7.2.4.5.2.3. By Tenure Market Share Analysis
8. Asia-Pacific Personal Loan Market Outlook
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Purpose Market Share Analysis
8.2.2. By End User Market Share Analysis
8.2.3. By Tenure Market Share Analysis
8.2.4. By Country Market Share Analysis
8.2.4.1. China Personal Loan Market Outlook
8.2.4.1.1. Market Size & Forecast
8.2.4.1.1.1. By Value
8.2.4.1.2. Market Share & Forecast
8.2.4.1.2.1. By Purpose Market Share Analysis
8.2.4.1.2.2. By End User Market Share Analysis
8.2.4.1.2.3. By Tenure Market Share Analysis
8.2.4.2. India Personal Loan Market Outlook
8.2.4.2.1. Market Size & Forecast
8.2.4.2.1.1. By Value
8.2.4.2.2. Market Share & Forecast
8.2.4.2.2.1. By Purpose Market Share Analysis
8.2.4.2.2.2. By End User Market Share Analysis
8.2.4.2.2.3. By Tenure Market Share Analysis
8.2.4.3. Japan Personal Loan Market Outlook
8.2.4.3.1. Market Size & Forecast
8.2.4.3.1.1. By Value
8.2.4.3.2. Market Share & Forecast
8.2.4.3.2.1. By Purpose Market Share Analysis
8.2.4.3.2.2. By End User Market Share Analysis
8.2.4.3.2.3. By Tenure Market Share Analysis
8.2.4.4. South Korea Personal Loan Market Outlook
8.2.4.4.1. Market Size & Forecast
8.2.4.4.1.1. By Value
8.2.4.4.2. Market Share & Forecast
8.2.4.4.2.1. By Purpose Market Share Analysis
8.2.4.4.2.2. By End User Market Share Analysis
8.2.4.4.2.3. By Tenure Market Share Analysis
8.2.4.5. Australia Personal Loan Market Outlook
8.2.4.5.1. Market Size & Forecast
8.2.4.5.1.1. By Value
8.2.4.5.2. Market Share & Forecast
8.2.4.5.2.1. By Purpose Market Share Analysis
8.2.4.5.2.2. By End User Market Share Analysis
8.2.4.5.2.3. By Tenure Market Share Analysis
9. Middle East & Africa Personal Loan Market Outlook
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Purpose Market Share Analysis
9.2.2. By End User Market Share Analysis
9.2.3. By Tenure Market Share Analysis
9.2.4. By Country Market Share Analysis
9.2.4.1. Saudi Arabia Personal Loan Market Outlook
9.2.4.1.1. Market Size & Forecast
9.2.4.1.1.1. By Value
9.2.4.1.2. Market Share & Forecast
9.2.4.1.2.1. By Purpose Market Share Analysis
9.2.4.1.2.2. By End User Market Share Analysis
9.2.4.1.2.3. By Tenure Market Share Analysis
9.2.4.2. UAE Personal Loan Market Outlook
9.2.4.2.1. Market Size & Forecast
9.2.4.2.1.1. By Value
9.2.4.2.2. Market Share & Forecast
9.2.4.2.2.1. By Purpose Market Share Analysis
9.2.4.2.2.2. By End User Market Share Analysis
9.2.4.2.2.3. By Tenure Market Share Analysis
9.2.4.3. South Africa Personal Loan Market Outlook
9.2.4.3.1. Market Size & Forecast
9.2.4.3.1.1. By Value
9.2.4.3.2. Market Share & Forecast
9.2.4.3.2.1. By Purpose Market Share Analysis
9.2.4.3.2.2. By End User Market Share Analysis
9.2.4.3.2.3. By Tenure Market Share Analysis
9.2.4.4. Turkey Personal Loan Market Outlook
9.2.4.4.1. Market Size & Forecast
9.2.4.4.1.1. By Value
9.2.4.4.2. Market Share & Forecast
9.2.4.4.2.1. By Purpose Market Share Analysis
9.2.4.4.2.2. By End User Market Share Analysis
9.2.4.4.2.3. By Tenure Market Share Analysis
10. South America Personal Loan Market Outlook
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Purpose Market Share Analysis
10.2.2. By End User Market Share Analysis
10.2.3. By Tenure Market Share Analysis
10.2.4. By Country Market Share Analysis
10.2.4.1. Brazil Personal Loan Market Outlook
10.2.4.1.1. Market Size & Forecast
10.2.4.1.1.1. By Value
10.2.4.1.2. Market Share & Forecast
10.2.4.1.2.1. By Purpose Market Share Analysis
10.2.4.1.2.2. By End User Market Share Analysis
10.2.4.1.2.3. By Tenure Market Share Analysis
10.2.4.2. Argentina Personal Loan Market Outlook
10.2.4.2.1. Market Size & Forecast
10.2.4.2.1.1. By Value
10.2.4.2.2. Market Share & Forecast
10.2.4.2.2.1. By Purpose Market Share Analysis
10.2.4.2.2.2. By End User Market Share Analysis
10.2.4.2.2.3. By Tenure Market Share Analysis
10.2.4.3. Colombia Personal Loan Market Outlook
10.2.4.3.1. Market Size & Forecast
10.2.4.3.1.1. By Value
10.2.4.3.2. Market Share & Forecast
10.2.4.3.2.1. By Purpose Market Share Analysis
10.2.4.3.2.2. By End User Market Share Analysis
10.2.4.3.2.3. By Tenure Market Share Analysis
11. Market Dynamics
11.1. Drivers
11.1.1. Easy Application Process
11.1.2. Rising household expenses
11.1.3. Lower interest Rates in comparison to other loans
11.2. Challenges
11.2.1. Issue of Credibility
11.2.2. Increasing Competition
12. Impact of COVID-19 on Global Personal Loan Market
12.1. Impact Assessment Model
12.1.1. Key Segments Impacted
12.1.2. Key Regions Impacted
12.1.3. Key Countries Impacted
13. Market Trends & Developments
13.1. Rising trend of Buy now, pay later
13.2. Increasing number of FinTech Companies
13.3. Attractive marketing strategies
13.4. Surging demand in among Millennials and Gen Z
13.5. Growing variety of personal loans
14. SWOT Analysis
14.1. Strengths
14.2. Weaknesses
14.3. Opportunities
14.4. Threats
15. Competitive Landscape
15.1. Company Profiles
15.1.1. Avant, LLC
15.1.1.1. Company Details
15.1.1.2. Product & Services
15.1.1.3. Financials (As Reported)
15.1.1.4. Key Market Focus & Geographical Presence
15.1.1.5. Recent Developments
15.1.1.6. Key Management Personnel
15.1.2. Goldman Sachs (Marcus)
15.1.2.1. Company Details
15.1.2.2. Product & Services
15.1.2.3. Financials (As Reported)
15.1.2.4. Key Market Focus & Geographical Presence
15.1.2.5. Recent Developments
15.1.2.6. Key Management Personnel
15.1.3. Wells Fargo & Co.
15.1.3.1. Company Details
15.1.3.2. Product & Services
15.1.3.3. Financials (As Reported)
15.1.3.4. Key Market Focus & Geographical Presence
15.1.3.5. Recent Developments
15.1.3.6. Key Management Personnel
15.1.4. Barclays PLC
15.1.4.1. Company Details
15.1.4.2. Product & Services
15.1.4.3. Financials (As Reported)
15.1.4.4. Key Market Focus & Geographical Presence
15.1.4.5. Recent Developments
15.1.4.6. Key Management Personnel
15.1.5. DBS Bank Ltd
15.1.5.1. Company Details
15.1.5.2. Product & Services
15.1.5.3. Financials (As Reported)
15.1.5.4. Key Market Focus & Geographical Presence
15.1.5.5. Recent Developments
15.1.5.6. Key Management Personnel
15.1.6. American Express Company
15.1.6.1. Company Details
15.1.6.2. Product & Services
15.1.6.3. Financials (As Reported)
15.1.6.4. Key Market Focus & Geographical Presence
15.1.6.5. Recent Developments
15.1.6.6. Key Management Personnel
15.1.7. Citigroup, Inc.
15.1.7.1. Company Details
15.1.7.2. Product & Services
15.1.7.3. Financials (As Reported)
15.1.7.4. Key Market Focus & Geographical Presence
15.1.7.5. Recent Developments
15.1.7.6. Key Management Personnel
15.1.8. Truist Financial Corporation
15.1.8.1. Company Details
15.1.8.2. Product & Services
15.1.8.3. Financials (As Reported)
15.1.8.4. Key Market Focus & Geographical Presence
15.1.8.5. Recent Developments
15.1.8.6. Key Management Personnel
15.1.9. Social Finance, Inc.
15.1.9.1. Company Details
15.1.9.2. Product & Services
15.1.9.3. Financials (As Reported)
15.1.9.4. Key Market Focus & Geographical Presence
15.1.9.5. Recent Developments
15.1.9.6. Key Management Personnel
15.1.10. LendingClub Bank
15.1.10.1. Company Details
15.1.10.2. Product & Services
15.1.10.3. Financials (As Reported)
15.1.10.4. Key Market Focus & Geographical Presence
15.1.10.5. Recent Developments
15.1.10.6. Key Management Personnel
16. Strategic Recommendations/Action Plan
16.1. Key Focus Areas
16.2. Target Purpose
16.3. Target Tenure
17. About Us & Disclaimer
(Note: The companies list can be customized based on the client requirements.)

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Table of Contents

Summary

The global personal loan market is anticipated to project robust growth in the forecast period. The increasing economy across the world had a significant rise in demand for has directly impacted the global personal loan industry in a positive way. Growing demand for personal loan among the individuals for debt consolidation loan, credit card refinance loan, home improvement loan, general purchase loan, moving and relocation loan are also significant factors influencing the personal loan industry growth.
Personal loans are closed-end, uncollateralized sources of credit, also referred to as installment loans or consumer loans. This means that they don't require collateral, in contrast to mortgages and some auto loans. They also have fixed payments for a set period, unlike credit cards.
One of the consumer debt products with the fastest growth is personal loans. The outstanding balance on personal loans was $209.6 billion, as of Q3 2022. Personal loan balances have increased annually since 2013 in double digits all but three years (2017, 2020, and 2021). Personal loan balance decreased by almost 3%, in 2020. Positive growth picked up pace in 2021 (5.6%), and by the end of Q3 in 2022, it had exploded (34%). Compared to credit cards, personal loans have lower interest rates: 8.73% as of April 1, 2022. (24-month loans at commercial banks).
The demand for personal loan has also expanded in the Asia Pacific region in the recent years. In the coming decades, Asian consumers are anticipated to make up half of the growth in global consumption, representing a USD10 trillion growth opportunity. One in two households with incomes above the upper middle class are predicted to exist in Asia, and one in two completed consumer transactions are likely to take place there. Furthermore, the growing population of these countries constantly need loans to raise their standard of living, for which consumers are highly dependent on personal loans. Developing economies like India, Malaysia, Bangladesh, China, and South Korea also present significant opportunities for personal loan companies to expand their offerings. Therefore, the demand for personal loan is anticipated to be broadly steady, over time.
Lenders initially tightened their loan requirements in response to the COVID-19's economic uncertainty and began concentrating their underwriting efforts on verifying borrowers' employment and income. Lenders, however, made a turn for the better in late 2020s, lowering their standards in an effort to draw-in new borrowers. In late 2020 and early 2021, lenders focused primarily on borrowers with lower credit scores; according to TransUnion, loan originations from subprime borrowers increased 71% in the first quarter of 2021. The hardest hit by 2022's record-breaking inflation were consumers with poor credit and tight budgets, which increased the delinquency rates for personal loans.
Rising Presence of FinTech Lenders Aiding the Market Growth
A Fintech lender is an online lender that relies on financial technology for its underwriting, risk analysis, funding, and marketing. Nowadays, most lenders, including conventional banks and credit unions, fit this description. However, the phrase is typically used to describe start-ups and relatively new businesses that only operate online and make use of new credit models along with alternative data sources. Technology has been instrumental in the rapid expansion of unsecured personal loans. Lenders now have access to a wealth of financial information as well as tools for credit scoring, which can aid them in making better lending decisions. Applied statistics are increasingly being used to inform decisions, rather than solely relying on human judgement. This expedites, lowers the cost, and ensures the viability of underwriting unsecured personal loans. In the foreseeable future, it is anticipated that this tendency will persist. Moreover, customers reliance towards digital platform has also increased over the past few years.
Ease of Availing Personal Loans is Fueling the Market
A significant factor affecting the market's growth is the accelerating demand by reducing availing norms for these Personal Loan. In comparison to other loans like home loans and gold loans, which requires a lot of paperwork, personal loans have fewer requirements and a quicker approval process. A personal loan online will typically be disbursed through financial institutions within a few hours, subject to if the lender is confident in an individual’s ability to repay the loan. Another significant advantage of choosing personal loan providers is the freedom to choose the term of loan.
Excessive Fees and Penalties are Hindering the Market Growth
The issue of recovering loan majorly hinders the market of personal loan. As a result, various personal loan providers are frequently involved in applying excessive fees and penalties to the loan, further increasing the cost of borrowing. Origination fees for some loans range from 1% to 6% of the loan amount. Either the fees is incorporated into the loan or taken out of the money given to the borrowers. In addition, many lenders impose prepayment fees if the borrower settles the balance prior to loan term end. Additionally, consumers develop a mistrust of lenders when they ignore the fine print of terms, such as fees and penalties, before applying for a personal loan. As a result, this is one significant factor preventing the personal loans market from expanding.
Market Segmentation
The global personal loan market is segmented based on Purpose, End User, interest rate, tenure, region, and competitional landscape. Based on Purpose, the market is further fragmented into Debt Consolidation Loan, Credit Card Refinance Loan, Home Improvement Loan, General Purchase Loan, Moving and Relocation Loan, and Others (Medical Expenses Loan, Wedding Loan, Vacation Loan, Car Repair Loan, etc.). Based on End User, the market is categorized into Employed Individuals, Professionals, Students, Entrepreneur, Others (Homemaker, Unemployed, Retired, etc.). Based on tenure, the market is segmented into Less than 2 years, 2 years to 4 Years, More than 4 Years. The market analysis also studies the regional segmentation, which is divided among North America, Europe, Asia-Pacific, Middle East & Africa, and South America.
Company Profiles
Avant, LLC, Goldman Sachs (Marcus), Wells Fargo & Co., Barclays PLC, DBS Bank Ltd, JPMorgan Chase & Co., American Express Company, Citigroup, Inc., Truist Financial Corporation, Social Finance, Inc., LendingClub Bank are among the major market players in the global platform that lead the market growth of the global personal loan market.
Report Scope:
In this report, the global Personal Loan market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
• Global Personal Loan Market, By Purpose:
o Debt Consolidation Loan
o Credit Card Refinance Loan
o Home Improvement Loan
o General Purchase Loan
o Moving and Relocation Loan
o Others
• Global Personal Loan Market, By End User:
o Employed Individuals
o Professionals
o Students
o Entrepreneur
o Others
• Global Personal Loan Market, By Tenure:
o Less than 2 Years
o 2 Years to 4 Years
o More than 4 Years
• Global Personal Loan Market, By Region:
o North America
 United States
 Canada
 Mexico
o Europe
 United Kingdom
 Germany
 Italy
 France
 Spain
o Asia-Pacific
 China
 India
 Japan
 South Korea
 Australia
o Middle East & Africa
 UAE
 South Africa
 Turkey
 Saudi Arabia
o South America
 Brazil
 Argentina
 Colombia
Competitive Landscape
Company Profiles: Detailed analysis of the major companies present in the global Personal Loan market.
Available Customizations:
With the given market data, TechSci Research offers customizations according to a company’s specific needs. The following customization options are available for the report:
Company Information
• Detailed analysis and profiling of additional market players (up to five).

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