Consumer Lending in Vietnam Mar 2026

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Overview:

Understand the latest market trends and future growth opportunities for the Consumer Lending industry in Vietnam with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Consumer Lending industry in Vietnam, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Consumer Lending in Vietnam report includes:
  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country
This report answers:
  • What is the market size of Consumer Lending in Vietnam?
  • What are the major trends key to understanding Consumer Lending in Vietnam?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?

Consumer Lending in Vietnam - Industry Overview

EXECUTIVE SUMMARY
  • Consumer lending sees positive growth across all categories
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
  • The State Bank of Vietnam focuses on supporting growth while ensuring financial stability
  • Mortgages/housing lending supported by State Bank’s VND145 trillion social and worked housing package
  • New regulations around bank accounts linked to ID push digital consumer lending, including BNPL
WHAT’S NEXT?
  • Ongoing positive growth linked to regulations which boost transparency and mitigate risks and fraud
  • Ongoing developments help more consumers to access loans, especially via fintechs and BNPL
  • Young, digitally-savvy population drives demand for mobile-based lending
MARKET DATA
  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2020-2025
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2020-2025
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2025-2030
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2025-2030
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2025-2030
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2025-2030
SOURCES
  • Summary 1 Research Sources

Consumer Credit in Vietnam - Category analysis

KEY DATA FINDINGS
2025 DEVELOPMENTS
  • Growth in consumer credit supported by people turning to borrowing to pay for big-ticket purchases
INDUSTRY PERFORMANCE
  • Positive economic factors help to support consumer credit growth
  • Dynamism of durables lending driven by e-commerce, m-commerce, and BNPL
  • SmartBanking enables low-income consumers to access government-backed loan schemes
WHAT’S NEXT?
  • Ongoing positive growth supported by popularity of credit cards and new ID-linked bank account regulations
  • BNPL will continue to grow, especially among younger, tech-savvy consumers
  • Lending for education and experiences set to be supported by Gen Z and Millennial trends
CATEGORY DATA
  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2020-2025
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2020-2025
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2025-2030
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2025-2030
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2025-2030
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2025-2030

Euromonitor International is a leading independent provider of global market research, data, and analysis. Headquartered in London and founded in 1972, Euromonitor specializes in delivering strategic intelligence on industries, economies, and consumers worldwide.

The company offers detailed reports, statistics, and expert insights across more than 100 countries and 30 industries, with a strong focus on consumer markets. Its flagship platform, Passport, is widely used by business professionals, analysts, and academic institutions for market sizing, forecasting, competitive analysis, and consumer trends.

Euromonitor’s research methodology combines in-depth primary research, expert analysis, and robust data modeling, ensuring comprehensive and reliable information. The firm also provides custom consulting services to help organizations identify growth opportunities, understand market dynamics, and make informed strategic decisions.

With a strong global network of analysts and a reputation for high-quality data, Euromonitor is a trusted partner for companies aiming to navigate the complexities of global markets and stay ahead of trends.

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