自動車金融の世界市場予測（～2030年）： プロバイダータイプ、目的タイプ、金融タイプ、供給元タイプ、サービスタイプ、車両タイプ、地域別の分析

世界の自動車金融の市場規模は、2023年に2,892億米ドルを占め、予測期間中にCAGR8.5％で成長し、2030年には5,118億米ドルに達すると予想されています。 自動車金融市場とは、自動車、トラック、オートバイなどの車両購入を促進する金融サービスおよび商品を指します。

この市場は、様々な融資オプションを提供することにより、消費者が自動車を取得できるようにする上で重要な役割を果たしています。こうした選択肢には、ローン、リース、その他購入者の多様なニーズに合わせたクレジットソリューションが含まれることが多いです。自動車金融には、銀行や信用組合などの融資機関のほか、専門金融会社や自動車メーカー系の融資部門が関与しています。

OICA（Organisation Internationale des Constructeurs d'Automobiles）によると、2019年と比較して新車需要は3～4％、中古車需要は1～2％減少しました。

融資モデルの革新

サブスクリプションサービス、リースプログラム、フレキシブルペイメントプランといった革新的なモデルの導入により、従来のローン構造は進化しています。こうした進歩は、消費者の嗜好の変化に対応し、より適応的で個別化された融資オプションを提供します。テクノロジーの統合はこの推進力をさらに増幅させ、オンラインアプリケーション、デジタルプラットフォーム、ブロックチェーンソリューションが融資プロセスを合理化しています。より高い利便性、透明性、カスタマイズ性を提供することで、こうしたイノベーションは、様々な金融ニーズや嗜好を持つ幅広い消費者を惹きつけています。

金利の変動

金利が上昇すると、借入コストが上昇し、自動車ローンやリースを求める消費者の毎月の支払額が増加します。これは潜在的な購買意欲を減退させ、自動車に対する全体的な需要を減少させ、ひいては自動車金融市場に影響を与える可能性があります。逆に、金利の急低下は経済不安への懸念を促し、金融機関の融資基準の厳格化を招き、特定の消費者の融資へのアクセスを制限する可能性があります。しかし、金利動向をめぐる不確実性は、金融機関がポートフォリオを管理し、消費者の行動を予測する上での課題ももたらします。

技術の進歩

人工知能、機械学習、デジタルプラットフォームなどの最先端技術の統合により、融資までの様々な局面が合理化・自動化されています。オンラインアプリケーションはより迅速な承認を可能にし、デジタルプラットフォームは貸し手と借り手の間のシームレスなコミュニケーションを促進します。ブロックチェーン技術は安全で透明性の高い取引を実現し、金融取引の信頼性を高めています。さらに、データ分析の進歩は、より正確なリスク評価に貢献し、パーソナライズされた競争力のある融資提案を可能にしています。

金融規制の変化

融資基準、情報開示要件、消費者保護対策のいずれにおいても、規制の変化は金融機関に不確実性とコンプライアンス上の課題をもたらす可能性があります。規制が強化されれば、融資慣行に対する監視が強化され、与信条件が厳しくなり、一部の消費者の資金調達が困難になる可能性があります。逆に、規制が緩和されれば、潜在的なリスクに対する懸念が高まり、融資が過度に拡大し、債務不履行の可能性が高まる可能性があります。規制状況の変化に対応するためには、コンプライアンス対策への多額の投資が必要であり、金融機関の運営コストに影響を与え、自動車ローンの利用可能性を制限したり、条件を変更したりする可能性があります。

COVID-19の影響

ロックダウン、経済の不確実性、消費者の優先順位の変化が自動車販売の急減につながり、自動車金融の需要に影響を与えました。消費者の経済的苦境は、既存ローンの延滞や債務不履行の増加につながり、貸し手にとって課題となりました。また、パンデミックによる景気後退は、金融機関に融資基準の厳格化を促し、一部の購入者が融資を受けることをより困難にしました。さらに、自動車分野におけるサプライチェーンの混乱や生産停止は、車両の入手可能性に影響を与え、全体的な融資状況に影響を与えました。

予測期間中、金融機関セグメントが最大となる見込み

金融機関セグメントは、予測期間を通じて最大の市場シェアを占めました。柔軟な資金調達オプションへの需要が高まる中、伝統的な銀行や専門的な金融機関を含む金融機関は、多様な顧客ニーズに対応するために提供サービスを拡大しています。サブスクリプションサービスやオンラインレンディングプラットフォームといった革新的な融資モデルの台頭により、これらの金融機関はより幅広い顧客層にアプローチできるようになりました。さらに、データ分析の進歩により、より正確なリスク評価が可能になり、融資プロセスの効率が向上しています。

商用車セグメントは予測期間中最も高いCAGRが見込まれる

商用車セグメントは、予測期間中の市場成長を後押ししています。各業界が業務の効率化とロジスティクスの最適化に努める中、新型かつ先進的な商用車へのニーズが高まっています。柔軟なリース構造やカスタマイズされたローンパッケージなど、商業分野向けに調整された融資ソリューションは、これらの車両へのアクセスを容易にしています。さらに、持続可能な商用車の採用が増加していることも、企業が環境目標に沿うことを求めているため、融資需要に寄与しています。こうした要素がセグメントの成長を高めています。

最大のシェアを占める地域

予測期間を通じて、アジア太平洋が市場で最大のシェアを占めています。急速な経済発展、都市化の進展、中間層の急増により、特に新興経済諸国では自動車需要が急増しています。自動車所有に対する消費者の願望と嗜好の高まりが、利用しやすく多様な資金調達オプションの必要性を後押ししています。さらに、この地域の金融機関は、申請・承認プロセスを合理化するデジタルプラットフォームなど、革新的で柔軟な資金調達ソリューションを提供することで、こうした動向に対応しています。

CAGRが最も高い地域

北米は、予測期間を通じて収益性の高いCAGRを示すと推定されます。電気自動車と環境の持続可能性を促進する政府の取り組みにより、税額控除や補助金を通じて環境に優しい自動車向けの自動車融資が奨励されています。こうした規制は、金融機関の信頼性を高めるだけでなく、消費者の信頼感を植え付け、自動車金融への参加拡大を後押ししています。

無料カスタマイズサービス：

本レポートをご購読のお客様には、以下の無料カスタマイズオプションのいずれかをご利用いただけます：

• 企業プロファイル
  • 追加市場企業の包括的プロファイリング（3社まで）
  • 主要企業のSWOT分析（3社まで）
• 地域セグメンテーション
  • 顧客の関心に応じた主要国の市場推計・予測・CAGR（注：フィージビリティチェックによる）
• 競合ベンチマーキング
  • 製品ポートフォリオ、地理的プレゼンス、戦略的提携に基づく主要企業のベンチマーキング

目次

第1章 エグゼクティブサマリー

第2章 序文

• 概要
• ステークホルダー
• 調査範囲
• 調査手法
  • データマイニング
  • データ分析
  • データ検証
  • 調査アプローチ
• 調査ソース
  • 1次調査ソース
  • 2次調査ソース
  • 前提条件

第3章 市場動向分析

• 促進要因
• 抑制要因
• 機会
• 脅威
• 新興市場
• 新型コロナウイルス感染症（COVID-19）の影響

第4章 ポーターのファイブフォース分析

• 供給企業の交渉力
• 買い手の交渉力
• 代替品の脅威
• 新規参入業者の脅威
• 競争企業間の敵対関係

第5章 世界の自動車金融市場：プロバイダータイプ別

• OEM（相手先商標製品製造業者）
• 銀行
• その他のプロバイダータイプ

第6章 世界の自動車金融市場：目的タイプ別

• リース
• ローン
• その他の目的タイプ

第7章 世界の自動車金融市場：金融タイプ別

• 間接
• 直接
• その他の金融タイプ

第8章 世界の自動車金融市場：供給元タイプ別

• 金融機関
• 信用組合
• その他の供給元タイプ

第9章 世界の自動車金融市場：サービスタイプ別

• 新車
• 中古車
• その他のサービスタイプ

第10章 世界の自動車金融市場：車両タイプ別

• 商用車
• 乗用車
• その他の車両タイプ

第11章 世界の自動車金融市場：地域別

• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • イタリア
  • フランス
  • スペイン
  • その他欧州
• アジア太平洋
  • 日本
  • 中国
  • インド
  • オーストラリア
  • ニュージーランド
  • 韓国
  • その他アジア太平洋
• 南米
  • アルゼンチン
  • ブラジル
  • チリ
  • その他南米
• 中東とアフリカ
  • サウジアラビア
  • アラブ首長国連邦
  • カタール
  • 南アフリカ
  • その他中東とアフリカ

第12章 主な発展

• 協定、パートナーシップ、コラボレーション、合弁事業
• 買収と合併
• 新製品の発売
• 事業拡大
• その他の主要戦略

第13章 企業プロファイル

• Ally Financial
• Bank of America
• BNP Paribas SA
• Chase Auto Finance
• Daimler Financial Services
• Ford Motor Credit Company
• GM Financial Inc.
• HDFC Bank Limited
• Hitachi Capital
• HSBC Holdings PLC
• Industrial and Commercial Bank of India
• Mahindra Finance
• Mercedes-Benz Financial Services
• Standard Bank Group Ltd
• Toyota Financial Services
• Volkswagen Financial Services
• Wells Fargo & Co

List of Tables

• Table 1 Global Automotive Finance Market Outlook, By Region (2021-2030) ($MN)
• Table 2 Global Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 3 Global Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 4 Global Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 5 Global Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 6 Global Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 7 Global Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 8 Global Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 9 Global Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 10 Global Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 11 Global Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 12 Global Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 13 Global Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 14 Global Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 15 Global Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 16 Global Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 17 Global Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 18 Global Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 19 Global Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 20 Global Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 21 Global Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 22 Global Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 23 Global Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 24 Global Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 25 Global Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)
• Table 26 North America Automotive Finance Market Outlook, By Country (2021-2030) ($MN)
• Table 27 North America Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 28 North America Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 29 North America Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 30 North America Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 31 North America Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 32 North America Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 33 North America Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 34 North America Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 35 North America Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 36 North America Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 37 North America Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 38 North America Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 39 North America Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 40 North America Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 41 North America Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 42 North America Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 43 North America Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 44 North America Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 45 North America Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 46 North America Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 47 North America Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 48 North America Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 49 North America Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 50 North America Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)
• Table 51 Europe Automotive Finance Market Outlook, By Country (2021-2030) ($MN)
• Table 52 Europe Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 53 Europe Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 54 Europe Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 55 Europe Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 56 Europe Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 57 Europe Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 58 Europe Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 59 Europe Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 60 Europe Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 61 Europe Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 62 Europe Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 63 Europe Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 64 Europe Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 65 Europe Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 66 Europe Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 67 Europe Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 68 Europe Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 69 Europe Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 70 Europe Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 71 Europe Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 72 Europe Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 73 Europe Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 74 Europe Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 75 Europe Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)
• Table 76 Asia Pacific Automotive Finance Market Outlook, By Country (2021-2030) ($MN)
• Table 77 Asia Pacific Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 78 Asia Pacific Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 79 Asia Pacific Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 80 Asia Pacific Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 81 Asia Pacific Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 82 Asia Pacific Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 83 Asia Pacific Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 84 Asia Pacific Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 85 Asia Pacific Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 86 Asia Pacific Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 87 Asia Pacific Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 88 Asia Pacific Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 89 Asia Pacific Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 90 Asia Pacific Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 91 Asia Pacific Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 92 Asia Pacific Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 93 Asia Pacific Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 94 Asia Pacific Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 95 Asia Pacific Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 96 Asia Pacific Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 97 Asia Pacific Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 98 Asia Pacific Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 99 Asia Pacific Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 100 Asia Pacific Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)
• Table 101 South America Automotive Finance Market Outlook, By Country (2021-2030) ($MN)
• Table 102 South America Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 103 South America Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 104 South America Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 105 South America Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 106 South America Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 107 South America Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 108 South America Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 109 South America Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 110 South America Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 111 South America Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 112 South America Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 113 South America Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 114 South America Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 115 South America Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 116 South America Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 117 South America Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 118 South America Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 119 South America Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 120 South America Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 121 South America Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 122 South America Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 123 South America Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 124 South America Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 125 South America Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)
• Table 126 Middle East & Africa Automotive Finance Market Outlook, By Country (2021-2030) ($MN)
• Table 127 Middle East & Africa Automotive Finance Market Outlook, By Provider Type (2021-2030) ($MN)
• Table 128 Middle East & Africa Automotive Finance Market Outlook, By Original Equipment Manufacturers (OEMs) (2021-2030) ($MN)
• Table 129 Middle East & Africa Automotive Finance Market Outlook, By Bank (2021-2030) ($MN)
• Table 130 Middle East & Africa Automotive Finance Market Outlook, By Other Provider Types (2021-2030) ($MN)
• Table 131 Middle East & Africa Automotive Finance Market Outlook, By Purpose Type (2021-2030) ($MN)
• Table 132 Middle East & Africa Automotive Finance Market Outlook, By Lease (2021-2030) ($MN)
• Table 133 Middle East & Africa Automotive Finance Market Outlook, By Loan (2021-2030) ($MN)
• Table 134 Middle East & Africa Automotive Finance Market Outlook, By Other Purpose Types (2021-2030) ($MN)
• Table 135 Middle East & Africa Automotive Finance Market Outlook, By Finance Type (2021-2030) ($MN)
• Table 136 Middle East & Africa Automotive Finance Market Outlook, By Indirect (2021-2030) ($MN)
• Table 137 Middle East & Africa Automotive Finance Market Outlook, By Direct (2021-2030) ($MN)
• Table 138 Middle East & Africa Automotive Finance Market Outlook, By Other Finance Types (2021-2030) ($MN)
• Table 139 Middle East & Africa Automotive Finance Market Outlook, By Source Type (2021-2030) ($MN)
• Table 140 Middle East & Africa Automotive Finance Market Outlook, By Financial Institutions (2021-2030) ($MN)
• Table 141 Middle East & Africa Automotive Finance Market Outlook, By Credit Unions (2021-2030) ($MN)
• Table 142 Middle East & Africa Automotive Finance Market Outlook, By Other Source Types (2021-2030) ($MN)
• Table 143 Middle East & Africa Automotive Finance Market Outlook, By Service Type (2021-2030) ($MN)
• Table 144 Middle East & Africa Automotive Finance Market Outlook, By New Vehicle (2021-2030) ($MN)
• Table 145 Middle East & Africa Automotive Finance Market Outlook, By Used Vehicle (2021-2030) ($MN)
• Table 146 Middle East & Africa Automotive Finance Market Outlook, By Other Service Types (2021-2030) ($MN)
• Table 147 Middle East & Africa Automotive Finance Market Outlook, By Vehicle Type (2021-2030) ($MN)
• Table 148 Middle East & Africa Automotive Finance Market Outlook, By Commercial Vehicles (2021-2030) ($MN)
• Table 149 Middle East & Africa Automotive Finance Market Outlook, By Passenger Cars (2021-2030) ($MN)
• Table 150 Middle East & Africa Automotive Finance Market Outlook, By Other Vehicle Types (2021-2030) ($MN)

According to Stratistics MRC, the Global Automotive Finance Market is accounted for $289.2 billion in 2023 and is expected to reach $511.8 billion by 2030 growing at a CAGR of 8.5% during the forecast period. The automotive finance market refers to the financial services and products that facilitate the purchase of vehicles, including cars, trucks, and motorcycles. This market plays a crucial role in enabling consumers to acquire vehicles by providing various financing options. These options often include loans, leases, and other credit solutions tailored to meet the diverse needs of buyers. Automotive finance involves lending institutions, such as banks and credit unions, as well as specialized finance companies and automaker-affiliated financing arms.

According to the OICA (Organisation Internationale des Constructeurs d'Automobiles), The demand for new vehicles dropped by 3-4% and used cars by 1-2% compared to 2019.

Market Dynamics:

Driver:

Innovations in financing models

Traditional loan structures are evolving, with the introduction of innovative models such as subscription services, leasing programs, and flexible payment plans. These advancements cater to shifting consumer preferences, offering more adaptable and personalized financing options. The integration of technology further amplifies this driver, with online applications, digital platforms, and blockchain solutions streamlining the financing process. By providing greater convenience, transparency, and customization, these innovations attract a broader range of consumers who may have varied financial needs and preferences.

Restraint:

Fluctuations in interest rates

When interest rates rise, the cost of borrowing increases, leading to higher monthly payments for consumers seeking auto loans or leases. This can deter potential buyers, reducing overall demand for vehicles and subsequently affecting the automotive finance market. Conversely, a sudden drop in interest rates may prompt concerns about economic instability, causing lenders to tighten lending criteria, which can limit access to financing for certain consumers. However, the uncertainty surrounding interest rate movements also introduces challenges for financial institutions in managing their portfolios and predicting consumer behavior.

Opportunity:

Technological Advancements

The integration of cutting-edge technologies such as artificial intelligence, machine learning, and digital platforms has streamlined and automated various aspects of the financing journey. Online applications enable faster approvals, and digital platforms facilitate seamless communication between lenders and borrowers. Blockchain technology ensures secure and transparent transactions, enhancing trust in financial transactions. Additionally, advancements in data analytics contribute to more accurate risk assessments, allowing for personalized and competitive financing offers.

Threat:

Changes in financial regulations

Regulatory shifts, whether in lending standards, disclosure requirements, or consumer protection measures, can introduce uncertainty and compliance challenges for financial institutions. Stricter regulations may lead to increased scrutiny on lending practices, potentially resulting in tighter credit conditions and making it more difficult for some consumers to secure financing. Conversely, loosening regulations could raise concerns about potential risks and lead to overextension in lending, increasing the likelihood of defaults. Adapting to evolving regulatory landscapes requires significant investments in compliance measures, affecting operational costs for lenders and potentially limiting the availability or altering the terms of automotive financing.

Covid-19 Impact:

Lockdowns, economic uncertainties, and shifts in consumer priorities led to a sharp decline in vehicle sales, affecting the demand for auto financing. Financial hardships among consumers resulted in increased delinquencies and defaults on existing loans, posing challenges for lenders. The pandemic-induced economic downturn also prompted financial institutions to tighten lending criteria, making it more difficult for some buyers to access financing. Furthermore, supply chain disruptions and production halts in the automotive sector affected vehicle availability, influencing the overall financing landscape.

The financial institutions segment is expected to be the largest during the forecast period

Financial Institutions segment commanded the largest market share throughout the extrapolated period. With a growing demand for flexible financing options, financial institutions, including traditional banks and specialized financing entities, are expanding their offerings to cater to diverse customer needs. The rise of innovative financing models, such as subscription services and online lending platforms, has allowed these institutions to reach a broader customer base. Additionally, advancements in data analytics enable more accurate risk assessments, enhancing the efficiency of lending processes.

The commercial vehicles segment is expected to have the highest CAGR during the forecast period

Commercial Vehicles segment is booming the market growth during the projection period. As businesses across industries strive for operational efficiency and logistics optimization, there is a growing need for new and advanced commercial vehicles. Financing solutions tailored for the commercial sector, such as flexible lease structures and customized loan packages, are facilitating easier access to these vehicles. Moreover, the increased adoption of sustainable commercial vehicles is also contributing to financing demand as companies seek to align with environmental goals. These elements are enhancing segments growth.

Region with largest share:

Asia Pacific region commanded the largest share of the market throughout the forecasted time frame. Rapid economic development, increasing urbanization, and a burgeoning middle class have led to a surge in demand for automobiles, particularly in emerging economies. Rising consumer aspirations and preferences for vehicle ownership have driven the need for accessible and diverse financing options. Furthermore, financial institutions in the region are adapting to these trends by offering innovative and flexible financing solutions, including digital platforms that streamline the application and approval processes.

Region with highest CAGR:

North America region is estimated to witness profitable CAGR throughout the prediction period. Government initiatives promoting electric vehicles and environmental sustainability have incentivized automotive financing for eco-friendly vehicles through tax credits and subsidies. These regulations not only enhance the credibility of financial institutions but also instill confidence in consumers, driving increased participation in automotive financing.

Key players in the market

Some of the key players in Automotive Finance market include Ally Financial, Bank of America, BNP Paribas SA, Chase Auto Finance, Daimler Financial Services, Ford Motor Credit Company, GM Financial Inc., HDFC Bank Limited, Hitachi Capital, HSBC Holdings PLC, Industrial and Commercial Bank of India, Mahindra Finance, Mercedes-Benz Financial Services, Standard Bank Group Ltd, Toyota Financial Services, Volkswagen Financial Services and Wells Fargo & Co.

Key Developments:

In October 2022, the National Bank of Oman (NBO) invited its partner dealerships and both new and used auto dealers from across Oman to learn more about the bank's car financing options. NBO offers competitive financing starting at just 4.75%, as the bank goes above and beyond to provide hassle-free, competitive financial solutions.

In October 2022, Kinetic Green Energy and Power Solutions Limited, a leading EV manufacturer, partnered with IndusInd Bank to provide customers with easy and affordable financing for their Kinetic Green dealerships across India.

In August 2022, the Japanese government announced the provision of unprecedented subsidies to help popularise electric vehicles (EVs). For the fiscal year ending in March 2024 (FY 2023), the Ministry of Economy, Trade, and Industry will develop a budget request of approximately JPY 41 billion to support electrified vehicles and the charging infrastructure business, which is expected to be double the initial budget for FY 2022.

Provider Types Covered:

• Original Equipment Manufacturers (OEMs)
• Bank
• Other Provider Types

Purpose Types Covered:

• Lease
• Loan
• Other Purpose Types

Finance Types Covered:

• Indirect
• Direct
• Other Finance Types

Source Types Covered:

• Financial Institutions
• Credit Unions
• Other Source Types

Service Types Covered:

• New Vehicle
• Used Vehicle
• Other Service Types

Vehicle Types Covered:

• Commercial Vehicles
• Passenger Cars
• Other Vehicle Types

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2021, 2022, 2023, 2026, and 2030
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Emerging Markets
• 3.7 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global Automotive Finance Market, By Provider Type

• 5.1 Introduction
• 5.2 Original Equipment Manufacturers (OEMs)
• 5.3 Bank
• 5.4 Other Provider Types

6 Global Automotive Finance Market, By Purpose Type

• 6.1 Introduction
• 6.2 Lease
• 6.3 Loan
• 6.4 Other Purpose Types

7 Global Automotive Finance Market, By Finance Type

• 7.1 Introduction
• 7.2 Indirect
• 7.3 Direct
• 7.4 Other Finance Types

8 Global Automotive Finance Market, By Source Type

• 8.1 Introduction
• 8.2 Financial Institutions
• 8.3 Credit Unions
• 8.4 Other Source Types

9 Global Automotive Finance Market, By Service Type

• 9.1 Introduction
• 9.2 New Vehicle
• 9.3 Used Vehicle
• 9.4 Other Service Types

10 Global Automotive Finance Market, By Vehicle Type

• 10.1 Introduction
• 10.2 Commercial Vehicles
• 10.3 Passenger Cars
• 10.4 Other Vehicle Types

11 Global Automotive Finance Market, By Geography

• 11.1 Introduction
• 11.2 North America
  • 11.2.1 US
  • 11.2.2 Canada
  • 11.2.3 Mexico
• 11.3 Europe
  • 11.3.1 Germany
  • 11.3.2 UK
  • 11.3.3 Italy
  • 11.3.4 France
  • 11.3.5 Spain
  • 11.3.6 Rest of Europe
• 11.4 Asia Pacific
  • 11.4.1 Japan
  • 11.4.2 China
  • 11.4.3 India
  • 11.4.4 Australia
  • 11.4.5 New Zealand
  • 11.4.6 South Korea
  • 11.4.7 Rest of Asia Pacific
• 11.5 South America
  • 11.5.1 Argentina
  • 11.5.2 Brazil
  • 11.5.3 Chile
  • 11.5.4 Rest of South America
• 11.6 Middle East & Africa
  • 11.6.1 Saudi Arabia
  • 11.6.2 UAE
  • 11.6.3 Qatar
  • 11.6.4 South Africa
  • 11.6.5 Rest of Middle East & Africa

12 Key Developments

• 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 12.2 Acquisitions & Mergers
• 12.3 New Product Launch
• 12.4 Expansions
• 12.5 Other Key Strategies

13 Company Profiling

• 13.1 Ally Financial
• 13.2 Bank of America
• 13.3 BNP Paribas SA
• 13.4 Chase Auto Finance
• 13.5 Daimler Financial Services
• 13.6 Ford Motor Credit Company
• 13.7 GM Financial Inc.
• 13.8 HDFC Bank Limited
• 13.9 Hitachi Capital
• 13.10 HSBC Holdings PLC
• 13.11 Industrial and Commercial Bank of India
• 13.12 Mahindra Finance
• 13.13 Mercedes-Benz Financial Services
• 13.14 Standard Bank Group Ltd
• 13.15 Toyota Financial Services
• 13.16 Volkswagen Financial Services
• 13.17 Wells Fargo & Co