{"id":6760,"date":"2026-04-06T07:55:35","date_gmt":"2026-04-06T06:55:35","guid":{"rendered":"https:\/\/www.credafin.be\/personal-loan\/study-27-of-europeans-are-currently-repaying-a-consumer-credit"},"modified":"2026-04-06T07:55:35","modified_gmt":"2026-04-06T06:55:35","slug":"study-27-of-europeans-are-currently-repaying-a-consumer-credit","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/personal-loan\/study-27-of-europeans-are-currently-repaying-a-consumer-credit","title":{"rendered":"Study: 27% of Europeans are Currently Repaying a Consumer Credit"},"content":{"rendered":"

Consumer credit is on the rise in Europe! This is the key takeaway from a recent study conducted by Yougov for Cofidis. Here are some figures and statistics.<\/strong><\/p>\n

<\/p>\n

What is a Consumer Credit?<\/h2>\n

Consumer credit, let’s recall, is aimed at financing goods and services<\/strong> (excluding real estate purchases). There are many subcategories of consumer credit. Among them are the installment loan<\/strong><\/a>, lease credit<\/strong>, bridge loan<\/strong>, overdraft facility<\/strong>, and the very well-known personal loan<\/strong><\/a>.<\/p>\n

For more information on: consumer credit<\/strong><\/a><\/p>\n

With this reminder in mind, let’s return to the study in question…<\/p>\n

The English, Portuguese, and Spanish Lead the Way<\/h2>\n

In Europe, consumer credit<\/a> seems to be quite entrenched in habits, with 27% of households currently repaying theirs. Moreover, 57% of them also reported having used it in the past. The English are the most accustomed to this financial product, with 67% having experienced it. They are followed by the Spanish and the Portuguese.<\/p>\n

Danes, More Frugal and Cautious<\/h2>\n

In Denmark, this percentage drops to 17%. More frugal and cautious, the Danes prefer, as much as possible, to finance their various projects themselves with their own saved money. 72% of the Danish population states that they save to face unforeseen events.<\/p>\n

What is a Consumer Credit<\/a> For?<\/h2>\n

The use of consumer credit varies depending on the location. For instance, Germans, English, and French primarily use it to finance the purchase of a vehicle<\/strong><\/a>. The Portuguese, on the other hand, use this funding for home renovations<\/strong><\/a>. Spaniards and Italians often allocate their consumer credit to fund vacations<\/strong><\/a>.<\/p>\n

Source<\/strong>: RTBF<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Explore Europe’s booming consumer credit usage and learn how it can benefit you\u2014click here to discover the full story!<\/p>\n","protected":false},"author":22,"featured_media":7105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"consumer credit","_yoast_wpseo_title":"Study: 27% of Europeans are Currently Repaying a Consumer Credit | Credafin","_yoast_wpseo_metadesc":"Get the facts on consumer credit in Europe, discover surprising stats, and learn how you can benefit! Read our study now.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/personal-loan\/study-27-of-europeans-are-currently-repaying-a-consumer-credit","_yoast_wpseo_focuskw_text":"consumer credit","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[70],"tags":[],"class_list":["post-6760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"yoast_head":"\nStudy: 27% of Europeans are Currently Repaying a Consumer Credit | Credafin<\/title>\n<meta name=\"description\" content=\"Get the facts on consumer credit in Europe, discover surprising stats, and learn how you can benefit! 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