個人ローン市場規模、シェア、成長分析、ローンの種類別、ローンの目的別、地域別-2025-2032年産業予測

世界の個人ローン市場規模は2023年に4,701億6,000万米ドルと評価され、2024年の6,140億3,000万米ドルから2032年には5兆1,967億8,000万米ドルに成長し、予測期間中（2025年～2032年）のCAGRは30.6%で成長する見通しです。

世界の個人ローン市場は、個人消費の増加、フィンテック統合の進展、無担保クレジットへの意欲の高まりに後押しされ、力強い成長を遂げています。2023年現在、米国の消費者信用は4兆9,000億米ドルに達し、個人ローンを含むリボルビング・クレジットは年率10.2％で拡大しています。オンラインローンへのシフトは消費者の習慣を一変させ、緊急医療や教育など多様なニーズへの個人ローンの利用を促しています。技術の進歩、特にAIと機械学習によって、より迅速でパーソナライズされたローンソリューションが可能になったことは、SoFiのローン実行件数が38%増加したことで証明されています。しかし、金利の上昇や規制の強化により、債務不履行リスクや市場の減速に対する懸念が高まっており、貸し手はより慎重なアプローチを取るようになっています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 供給と需要の動向分析
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• 規制分析
• 技術分析
• マクロ経済指標
• バリューチェーン分析
• 特許分析
• ケーススタディ

個人ローン市場規模：ローンの種類別& CAGR（2025-2032年）

• 市場概要
• 担保付き個人ローン
• 無担保個人ローン

個人ローン市場規模：ローン目的別& CAGR（2025-2032年）

• 市場概要
• 債務整理ローン
• 住宅改修・改築ローン
• 緊急医療ローン
• 結婚ローン
• 旅行/休暇ローン
• 教育ローン
• 車両購入ローン
• 中小企業向けまたはスタートアップ向けローン
• その他

個人ローン市場規模：金利タイプ別& CAGR（2025-2032年）

• 市場概要
• 固定金利ローン
• 変動金利ローン

個人ローン市場規模任期制& CAGR（2025-2032年）

• 市場概要
• 短期ローン
• 中期ローン
• 長期ローン

個人ローン市場規模：エンドユーザー別& CAGR（2025-2032年）

• 市場概要
• 給与所得者
• 自営業の専門家
• 中小企業オーナー
• 学生
• 退職者

個人ローン市場規模：チャネル別& CAGR（2025-2032年）

• 市場概要
• オンラインローン業者/フィンテックプラットフォーム
• 銀行
• 信用組合
• NBFC
• ピアツーピア（P2P）ローンプラットフォーム

個人ローン市場規模：ローン額別& CAGR（2025-2032年）

• 市場概要
• マイクロローン
• 小額ローン
• 中規模ローン
• 大規模ローン

個人ローン市場規模& CAGR（2025-2032年）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • メキシコ
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024年）

主要企業プロファイル

• JPMorgan Chase
• SoFi Technologies, Inc.
• OneMain Financial
• Home Credit B.V.
• Zopa Bank Ltd.
• Avant, LLC
• LendingClub Corporation
• Upstart Holdings, Inc.
• Marcus by Goldman Sachs
• Discover Financial Services
• Prosper Marketplace, Inc.
• LightStream（SunTrust Bank）
• Best Egg（Marlette Funding）
• Upgrade, Inc.
• Earnest（Navient Company）
• Achieve Personal Loans（Freedom Financial Network）
• Oportun, Inc.
• NetCredit（Enova International）
• Lendmark Financial Services
• AvantCredit of Canada

結論と提言

Global Personal Loan Market size was valued at USD 470.16 Billion in 2023 and is poised to grow from USD 614.03 Billion in 2024 to USD 5196.78 Billion by 2032, growing at a CAGR of 30.6%during the forecast period (2025-2032).

The global Personal Loan Market has witnessed robust growth, fueled by rising consumer spending, heightened fintech integration, and a growing appetite for unsecured credit. As of 2023, U.S. consumer credit reached USD 4.9 trillion, with revolving credit, including personal loans, expanding at an annual rate of 10.2%. The shift towards online lending has transformed consumer habits, encouraging the use of personal loans for diverse needs like medical emergencies and education. Technology advancements, particularly in AI and machine learning, have enabled faster and more personalized lending solutions, evidenced by SoFi's 38% increase in loan originations. However, challenges persist, with rising interest rates and regulatory tightening raising concerns over default risks and market slowdown, leading lenders to adopt a more cautious approach.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Personal Loan market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Personal Loan Market Segments Analysis

Global Personal Loan Market is segmented by Type of Loan, Purpose of Loan, Interest Rate Type, Tenure, End User, Channel, Loan Amount and region. Based on Type of Loan, the market is segmented into Secured Personal Loans and Unsecured Personal Loans. Based on Purpose of Loan, the market is segmented into Debt Consolidation Loans, Home Renovation/Improvement Loans, Medical Emergency Loans, Wedding Loans, Travel/Vacation Loans, Education Loans, Vehicle Purchase Loans, Small Business or Startup Loans and Others. Based on Interest Rate Type, the market is segmented into Fixed Interest Rate Loans and Floating/Variable Interest Rate Loans. Based on Tenure, the market is segmented into Short-Term Loans, Medium-Term Loans and Long-Term Loans. Based on End User, the market is segmented into Salaried Individuals, Self-Employed Professionals, Small Business Owners, Students and Retired Individuals. Based on Channel, the market is segmented into Online Lenders/Fintech Platforms, Banks, Credit Unions, NBFCs and Peer-to-Peer (P2P) Lending Platforms. Based on Loan Amount, the market is segmented into Micro Loans, Small Loans, Medium Loans and Large Loans. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Personal Loan Market

The Global Personal Loan market is being significantly influenced by the emergence of digital lending platforms and strategic partnerships with fintech companies. In 2024, fintech non-banking financial companies (NBFCs) accounted for 76% of the total loan sanction volume worldwide, despite contributing only 12% by value, indicating a trend toward small-ticket lending. Noteworthy collaborations, such as those between L&T Finance and SMFG India Credit with platforms like CRED and Paytm, have enhanced accessibility to personal loans. This transformation has led to more efficient loan processing and increased financial inclusion, catering to the rising digital preferences of younger, tech-savvy borrowers across various global markets.

Restraints in the Global Personal Loan Market

The rapid rise in unsecured personal loans has resulted in escalating default rates, creating substantial challenges for financial institutions. As of 2023, the Reserve Bank of India (RBI) noted a 23% increase in unsecured loans, outstripping the overall bank credit growth of approximately 15%. In the U.S., the delinquency rate for consumer loans reached 2.7% in Q4 2020, highlighting significant risk in this sector. Additionally, Canada reported a personal loan default rate of 1.67%, while Japan faced a 1.76% delinquency rate for credit cards in the same year. This trend indicates rising delinquencies among unsecured lending in developed countries, leading to higher provisioning for banks and negatively impacting their profitability and lending abilities.

Market Trends of the Global Personal Loan Market

The Global Personal Loan market is witnessing significant trends driven by digital transformation, changing consumer preferences, and economic conditions. A shift towards online lending platforms is enhancing accessibility and convenience for borrowers. Additionally, the integration of advanced technologies like artificial intelligence and big data analytics is personalizing loan offerings and streamlining approval processes. Furthermore, a growing demand for unsecured loans due to increased financial literacy and a desire for flexibility among consumers is bolstering market growth. As financial institutions adapt to these trends, they can enhance revenue streams, improve customer experience, and expand their market reach in a competitive landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Supply & Demand Trend Analysis
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Regulatory Analysis
• Technology Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Patent Analysis
• Case Studies

Global Personal Loan Market Size by Type of Loan & CAGR (2025-2032)

• Market Overview
• Secured Personal Loans
• Unsecured Personal Loans

Global Personal Loan Market Size by Purpose of Loan & CAGR (2025-2032)

• Market Overview
• Debt Consolidation Loans
• Home Renovation/Improvement Loans
• Medical Emergency Loans
• Wedding Loans
• Travel/Vacation Loans
• Education Loans
• Vehicle Purchase Loans
• Small Business or Startup Loans
• Others

Global Personal Loan Market Size by Interest Rate Type & CAGR (2025-2032)

• Market Overview
• Fixed Interest Rate Loans
• Floating/Variable Interest Rate Loans

Global Personal Loan Market Size by Tenure & CAGR (2025-2032)

• Market Overview
• Short-Term Loans
• Medium-Term Loans
• Long-Term Loans

Global Personal Loan Market Size by End User & CAGR (2025-2032)

• Market Overview
• Salaried Individuals
• Self-Employed Professionals
• Small Business Owners
• Students
• Retired Individuals

Global Personal Loan Market Size by Channel & CAGR (2025-2032)

• Market Overview
• Online Lenders/Fintech Platforms
• Banks
• Credit Unions
• NBFCs
• Peer-to-Peer (P2P) Lending Platforms

Global Personal Loan Market Size by Loan Amount & CAGR (2025-2032)

• Market Overview
• Micro Loans
• Small Loans
• Medium Loans
• Large Loans

Global Personal Loan Market Size & CAGR (2025-2032)

• North America (By Type of Loan, By Purpose of Loan, By Interest Rate Type, By Tenure, By End User, By Channel, By Loan Amount)
  • US
  • Canada
• Europe (By Type of Loan, By Purpose of Loan, By Interest Rate Type, By Tenure, By End User, By Channel, By Loan Amount)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (By Type of Loan, By Purpose of Loan, By Interest Rate Type, By Tenure, By End User, By Channel, By Loan Amount)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (By Type of Loan, By Purpose of Loan, By Interest Rate Type, By Tenure, By End User, By Channel, By Loan Amount)
  • Brazil
  • Mexico
  • Rest of Latin America
• Middle East & Africa (By Type of Loan, By Purpose of Loan, By Interest Rate Type, By Tenure, By End User, By Channel, By Loan Amount)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• JPMorgan Chase
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SoFi Technologies, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• OneMain Financial
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Home Credit B.V.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zopa Bank Ltd.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Avant, LLC
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• LendingClub Corporation
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Upstart Holdings, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Marcus by Goldman Sachs
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Discover Financial Services
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Prosper Marketplace, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• LightStream (SunTrust Bank)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Best Egg (Marlette Funding)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Upgrade, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Earnest (Navient Company)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Achieve Personal Loans (Freedom Financial Network)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Oportun, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• NetCredit (Enova International)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Lendmark Financial Services
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AvantCredit of Canada
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations