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個人ローン市場- 世界の産業規模、シェア、動向、機会、予測、2018-2028年

Personal Loan Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, 2018-2028F Segmented By Purpose, By End User, By Tenure, By Region, Competition

出版日: | 発行: TechSci Research | ページ情報: 英文 188 Pages | 納期: 2~3営業日

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個人ローン市場- 世界の産業規模、シェア、動向、機会、予測、2018-2028年
出版日: 2023年10月03日
発行: TechSci Research
ページ情報: 英文 188 Pages
納期: 2~3営業日
  • 全表示
  • 概要
  • 目次
概要

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ます。

世界の経済成長により、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ます。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ます。

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ます。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です。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ます。

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す。2022年第3四半期時点の個人ローン残高は2,096億米ドルでした。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桁で増加しています。個人ローン残高は2020年にほぼ3%減少しました。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:2022年4月1日現在、8.73%。(商業銀行の24ヶ月ローン)。

市場概要
予測期間 2024-2028
市場規模2022年 652億4,000万米ドル
2028年の市場規模 2,980億米ドル
CAGR 2023-2028 29.25%
急成長セグメント 債務一本化ローン
最大市場 北米

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ます。今後数十年間で、アジアの消費者は世界の消費成長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ります。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ます。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ます。インド、マレーシア、バングラデシュ、中国、韓国などの新興経済諸国もまた、個人ローン会社にとって、サービスを拡大する大きな機会となっています。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ます。

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、引き受け、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依存するオンラインレンダーのことです。現在では、従来の銀行や信用組合を含め、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ます。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ます。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ます。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ます。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ます。当面、この傾向は続くと予想されます。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ます。

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す。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ます。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ます。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ります。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ます。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します。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ります。その結果、これが個人ローン市場の拡大を妨げる大きな要因となっています。

利用可能なカスタマイズ:

TechSci Research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ます。レポートでは以下のカスタマイズが可能です:

企業情報:

  • 追加市場プレイヤー(最大5社)の詳細分析とプロファイリング

目次

第1章 イントロダクション

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声分析

  • サンプルサイズの決定
  • 回答者の属性
    • 性別
    • 年齢別
    • 職業別
  • ブランド認知度
  • ローン利用決定要因
  • 情報源
  • ローン利用後に直面する課題

第5章 世界の個人ローン市場展望

  • 市場規模と予測
    • 金額別
  • 市場シェアと予測
    • 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、引越し・移転ローン、その他(医療費ローン、結婚ローン、バケーションローン、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(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
    • 上位5社別、その他(2022年)
  • 個人向けローンの世界市場マッピングと機会評価
    • 目的別
    • エンドユーザー別
    • 契約期間別
    • 地域別

第6章 北米個人ローン市場展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • 目的別
    • エンドユーザー別
    • 保有期間別
    • 国別

第7章 欧州個人ローン市場展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • 目的別
    • エンドユーザー別
    • 保有期間別
    • 国別

第8章 アジア太平洋個人ローン市場展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • 目的別
    • エンドユーザー別
    • 保有期間別
    • 国別

第9章 中東・アフリカ個人ローン市場展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • 目的別
    • エンドユーザー別
    • 保有期間別
    • 国別

第10章 南米個人ローン市場展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • 目的別
    • エンドユーザー別
    • 保有期間別
    • 国別

第11章 市場力学

  • 促進要因
    • 簡単な申し込み手続き
    • 家計支出の増加
    • 他のローンと比べて低金利
  • 課題
    • 信頼性の問題
    • 競合の増加

第12章 世界の個人ローン市場へのCOVID-19の影響

  • 影響評価モデル
    • 影響を受ける主要セグメント
    • 影響を受ける主要地域
    • 影響を受ける主要国

第13章 市場動向と発展

  • 今すぐ買って後で払うというトレンドの高まり
  • フィンテック企業の増加
  • 魅力的なマーケティング戦略
  • ミレニアル世代とZ世代における需要の急増
  • 個人向けローンの多様化

第14章 SWOT分析

  • 強み
  • 弱み
  • 機会
  • 脅威

第15章 競合情勢

  • Company Profiles
    • Avant, LLC
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Goldman Sachs(Marcus)
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Wells Fargo & Co.
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Barclays PLC
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • DBS Bank Ltd
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • American Express Company
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Citigroup, Inc.
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Truist Financial Corporation
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • Social Finance, Inc.
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel
    • LendingClub Bank
      • Company Details
      • Product & Services
      • Financials(As Reported)
      • Key Market Focus & Geographical Presence
      • Recent Developments
      • Key Management Personnel

第16章 戦略的提言/アクションプラン

  • 重点分野
  • 目標目的
  • 目標契約期間

第17章 調査会社について・免責事項

(注:企業リストは、クライアントの要件に基づいてカスタマイズすることができます)

目次
Product Code: 14626

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).

Market Overview
Forecast Period2024-2028
Market Size 2022USD 65.24 Billion
Market Size 2028USD 298 Billion
CAGR 2023-202829.25%
Fastest Growing SegmentDebt Consolidation Loan
Largest MarketNorth America

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:

  • Debt Consolidation Loan
  • Credit Card Refinance Loan
  • Home Improvement Loan
  • General Purchase Loan
  • Moving and Relocation Loan
  • Others

Global Personal Loan Market, By End User:

  • Employed Individuals
  • Professionals
  • Students
  • Entrepreneur
  • Others

Global Personal Loan Market, By Tenure:

  • Less than 2 Years
  • 2 Years to 4 Years
  • More than 4 Years

Global Personal Loan Market, By Region:

  • North America
    • United States
    • Canada
    • Mexico
  • Europe
    • United Kingdom
    • Germany
    • Italy
    • France
    • Spain
  • Asia-Pacific
    • China
    • India
    • Japan
    • South Korea
    • Australia
  • Middle East & Africa
    • UAE
    • South Africa
    • Turkey
    • Saudi Arabia
  • 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).

Table of Contents

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.)