{"id":6802,"date":"2026-04-10T09:19:39","date_gmt":"2026-04-10T08:19:39","guid":{"rendered":"https:\/\/www.credafin.be\/personal-loan\/consumer-credit-the-market-remains-dynamic"},"modified":"2026-04-10T09:19:39","modified_gmt":"2026-04-10T08:19:39","slug":"consumer-credit-the-market-remains-dynamic","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/personal-loan\/consumer-credit-the-market-remains-dynamic","title":{"rendered":"Consumer Credit: The Market Remains Dynamic"},"content":{"rendered":"<p style=\"text-align: justify\"><strong>Europeans are increasingly turning to consumer credit. Here are the latest figures.<\/strong><\/p>\n<p><!--more--><\/p>\n<h2 style=\"text-align: justify\"><a href=\"https:\/\/www.credafin.be\/en\/instalment-loan\">Consumer Credit<\/a>: Promising Figures<\/h2>\n<p style=\"text-align: justify\">Consumer credit or <a target=\"_blank\" href=\"https:\/\/www.credafin.be\/en\/personal-loan\" rel=\"noopener\">personal loan<\/a> is witnessing exceptional growth this year. Furthermore, with <a href=\"https:\/\/www.linternaute.fr\/auto\/guide-pratique-auto\/1408894-loa-ce-qu-il-faut-savoir-sur-la-location-avec-option-d-achat\/\">automobile purchase options<\/a> (car leasing), the trend continues to rise.<\/p>\n<h2 style=\"text-align: justify\">Nearly 5% Growth Annually<\/h2>\n<p style=\"text-align: justify\">In the second quarter of 2017, consumer credit exceeded 163 billion euros in Europe. The annual growth rate is about 5% (4.7% to be precise). Although this figure is down from the first quarter (which was +5.8%), personal loans are thriving.<\/p>\n<p style=\"text-align: justify\">In Belgium, there is currently a slowdown. The figures are below the eurozone average (+5.9%). The BNB reports a growth of 6.2% in the first quarter and 2.2% in the second quarter of 2017.<\/p>\n<h2 style=\"text-align: justify\">Each Type of Credit Shows Its Own Variation<\/h2>\n<p style=\"text-align: justify\">There are two types of consumer credit: <strong>amortizing credit<\/strong> and <strong>revolving credit<\/strong>. The first is a standard amortizing loan with an amortization schedule and monthly payments. The second is another form of personal loan, akin to a line of credit. Only the borrowed portion will be repaid. The funds, at your complete disposal, can be used for immediate needs.<\/p>\n<p style=\"text-align: justify\">Compared to November 2016, amortizing loans have grown by +6.1%. Revolving credits are plummeting, with 2.6% compared to -1.9% just three months ago.<\/p>\n<h2 style=\"text-align: justify\">Belgium: <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">Consumer Credits<\/a> Declining<\/h2>\n<p style=\"text-align: justify\">For the two aforementioned types of <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">personal loans<\/a>, the rates seem to be lower compared to the eurozone. While in Europe, the average rate is 5.62%, in Belgium, amortizing credits have a rate of 3.72%. Revolving credits are at 8.5%, with 5.58% from banks and 12.57% from other institutions.<\/p>\n<h2 style=\"text-align: justify\">Leasing Breaks Records<\/h2>\n<p style=\"text-align: justify\">Lease agreements with a purchase option (LOA) or leasing are driving this growth in personal loans. There is a noted +25.3% increase compared to 23.5% last year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Boost your finances with consumer credit: discover why it&#8217;s thriving in Europe and seize the best rates now!<\/p>\n","protected":false},"author":22,"featured_media":4501,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"consumer credit","_yoast_wpseo_title":"Consumer Credit: The Market Remains Dynamic | Credafin","_yoast_wpseo_metadesc":"Consumer credit is on the rise\u2014learn the latest insights and secure your best loan options now!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/personal-loan\/consumer-credit-the-market-remains-dynamic","_yoast_wpseo_focuskw_text":"consumer credit","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[70],"tags":[],"class_list":["post-6802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consumer Credit: The Market Remains Dynamic | Credafin<\/title>\n<meta name=\"description\" content=\"Consumer credit is on the rise\u2014learn the latest insights and secure your best loan options now!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credafin.be\/en\/personal-loan\/consumer-credit-the-market-remains-dynamic\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Credit: The Market Remains Dynamic | 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