Industry: Service & Software
Published Date: 2026-04-21
Pages: 116 Pages
Report ld: 6601914
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The global Personal Loans market was valued at US$ million in 2025 and is anticipated to reach US$ million by 2032, at a CAGR of %from 2026 to 2032.
Over the last 10 years, investors funneled many billions of dollars into the personal loan market. These investments came in the form of venture capital, various bond structures and even direct investments in loans. Fueled by this influx of capital (and some innovative technologists), the once stagnant personal loans industry exploded with double-digit growth rates.
In 2018, the number of personal loan accounts rose to 19.5 million. An increase of 12.5% from 2017 (source). Subprime originations grew 28% between Q2 2017 and Q2 2018. In contrast, originations for subprime borrowers dropped by 7.1% between 2016 and 2018.
Has the personal loan boom reached its peak? SuperMoney’s 2019 personal loans industry study will answer that question while also providing a detailed look at the consumer lending sector as a whole. Let’s get started.Personal loans, also known as consumer loans or installment loans, are closed-end uncollateralized sources of credit. This means that, unlike mortgages and most auto loans, they don’t require collateral. And unlike credit cards, they have fixed payments for a specific period of time.
The North American market for Personal Loans is projected to increase from US$ million in 2025 to US$ million by 2032, at a CAGR of % over 2026–2032.
The Asia-Pacific market for Personal Loans is projected to rise from US$ million in 2025 to US$ million by 2032, at a CAGR of % over 2026–2032.
The global market for Personal Loans in Below 1 years is estimated to increase from US$ million in 2025 to US$ million by 2032, at a CAGR of % from 2026 to 2032.
Major global companies of Personal Loans include LightStream, SoFi, Citizens Bank, Marcus, FreedomPlus, Payoff, OneMain Financial, Avant, Prosper, Lending Club, etc. In 2025, the world's top three vendors accounted for approximately % of revenue.
This report delivers a comprehensive overview of the global Personal Loans market, with both quantitative and qualitative analyses, to help readers develop growth strategies, assess the competitive landscape, evaluate their position in the current market, and make informed business decisions regarding Personal Loans. The Personal Loans market size, estimates, and forecasts are provided in terms of revenue (US$ millions), with 2025 as the base year and historical and forecast data for 2021–2032.
The report segments the global Personal Loans market comprehensively. Regional market sizes by Type, by Application, , and by player are also provided. For deeper insight, the report profiles the competitive landscape, key competitors, and their respective market rankings, and discusses technological trends and new product developments.
This report will assist Personal Loans manufacturers, new entrants, and companies across the industry value chain with information on revenues, sales volume, and average prices for the overall market and its sub-segments, by company, by Type, by Application, and by region.
MARKET SEGMENTATION
CHAPTER OUTLINE
Chapter 1: Defines the scope of the report and presents an executive summary of market segments (by Type, by Application, , etc.), including the size of each segment and its future growth potential. It offers a high-level view of the current market and its likely evolution in the short, medium, and long term.
Chapter 2: Summarizes global and regional market size and outlines market dynamics and recent developments, including key drivers, restraints, challenges and risks for industry participants, and relevant policy analysis.
Chapter 3: Provides a detailed view of the competitive landscape for Personal Loans companies, covering revenue share, development plans, and mergers and acquisitions.
Chapter 4: Analyzes segments by Type, detailing the size and growth potential of each segment to help readers identify blue-ocean opportunities.
Chapter 5: Analyzes segments by Application, detailing the size and growth potential of each downstream segment to help readers identify blue-ocean opportunities.
Chapter 6–10: Regional deep dives (North America, Europe, Asia Pacific, Latin America, Middle East & Africa) broken down by country. Each chapter quantifies market size and growth potential by region and key countries, and outlines market development, outlook, addressable space, and capacity.
Chapter 11: Profiles key players, presenting essential information on leading companies, including product/ service offerings, revenue, gross margin, product introductions/portfolios, recent developments, etc.
Chapter 12: Key findings and conclusions of the report.
QYRESEARCH'S STRENGTHS
Unlike generic global market reports, this study combines macro-level industry trends with hyper-local operational intelligence, empowering data-driven decisions across the Compound Chocolate value chain, addressing:
We identify regional market threats and growth prospects to guide your overseas layout.
We adjust product portfolios in line with local consumption habits.
We unpack rivals’ operation strategies for scattered and highly concentrated industries.
We cover competition landscape, full supply chain and quantified market size data, and deliver tailor-made customized surveys to meet your unique business demands.
We own self-owned massive exclusive databases, backed by 19 years of global market research experience across thousands of sectors.
Our team operates 24 hours a day, 365 days a year, enabling ultra-fast report turnaround to respond to your research needs efficiently.
We integrate regional risk assessment, localized product optimization and competitor analysis to deliver actionable market strategies.
All data is cross-verified from multiple industry sources to deliver thorough, precise analysis that supports reliable corporate strategic decisions.
We provide responsive, dedicated after-sales support to resolve all follow-up inquiries about reports, data and industry interpretation.
TABLE OF CONTENTS
1 Report Overview
1.1 Study Scope
1.2 Market Analysis by Type
1.2.1 Global Personal Loans Market Size Growth Rate by Type: 2021 vs 2025 vs 2032
1.2.2 Below 5000 USD
1.2.3 5000-50000 USD
1.2.4 Above 50000 USD
1.3 Market by Application
1.3.1 Global Personal Loans Market Growth by Application: 2021 vs 2025 vs 2032
1.3.2 Below 1 years
1.3.3 1-3 years
1.3.4 Above years
1.4 Assumptions and Limitations
1.5 Study Objectives
1.6 Years Considered
2 Global Growth Trends
2.1 Global Personal Loans Market Perspective (2021–2032)
2.2 Global Personal Loans Growth Trends by Region
2.2.1 Global Personal Loans Market Size by Region: 2021 vs 2025 vs 2032
2.2.2 Personal Loans Historic Market Size by Region (2021–2026)
2.2.3 Personal Loans Forecasted Market Size by Region (2027–2032)
2.3 Personal Loans Market Dynamics
2.3.1 Personal Loans Industry Trends
2.3.2 Personal Loans Market Drivers
2.3.3 Personal Loans Market Challenges
2.3.4 Personal Loans Market Restraints
3 Competition Landscape by Key Players
3.1 Global Top Personal Loans Players by Revenue
3.1.1 Global Top Personal Loans Players by Revenue (2021–2026)
3.1.2 Global Personal Loans Revenue Market Share by Players (2021–2026)
3.2 Global Top Personal Loans Players Market Share by Company Tier (Tier 1, Tier 2, Tier 3)
3.3 Global Key Players Ranking by Personal Loans Revenue
3.4 Global Personal Loans Market Concentration Ratio
3.4.1 Global Personal Loans Market Concentration Ratio (CR5 and HHI)
3.4.2 Global Top 10 and Top 5 Companies by Personal Loans Revenue in 2025
3.5 Global Key Players of Personal Loans Head Offices and Areas Served
3.6 Global Key Players of Personal Loans, Products and Applications
3.7 Global Key Players of Personal Loans, Date of General Availability (GA)
3.8 Mergers and Acquisitions, Expansion Plans
4 Personal Loans Breakdown Data by Type
4.1 Global Personal Loans Historic Market Size by Type (2021–2026)
4.2 Global Personal Loans Forecasted Market Size by Type (2027–2032)
5 Personal Loans Breakdown Data by Application
5.1 Global Personal Loans Historic Market Size by Application (2021–2026)
5.2 Global Personal Loans Forecasted Market Size by Application (2027–2032)
6 North America
6.1 North America Personal Loans Market Size (2021–2032)
6.2 North America Personal Loans Market Growth Rate by Country: 2021 vs 2025 vs 2032
6.3 North America Personal Loans Market Size by Country (2021–2026)
6.4 North America Personal Loans Market Size by Country (2027–2032)
6.5 United States
6.6 Canada
7 Europe
7.1 Europe Personal Loans Market Size (2021–2032)
7.2 Europe Personal Loans Market Growth Rate by Country: 2021 vs 2025 vs 2032
7.3 Europe Personal Loans Market Size by Country (2021–2026)
7.4 Europe Personal Loans Market Size by Country (2027–2032)
7.5 Germany
7.6 France
7.7 U.K.
7.8 Italy
7.9 Russia
7.10 Ireland
8 Asia-Pacific
8.1 Asia-Pacific Personal Loans Market Size (2021–2032)
8.2 Asia-Pacific Personal Loans Market Growth Rate by Region: 2021 vs 2025 vs 2032
8.3 Asia-Pacific Personal Loans Market Size by Region (2021–2026)
8.4 Asia-Pacific Personal Loans Market Size by Region (2027–2032)
8.5 China
8.6 Japan
8.7 South Korea
8.8 Southeast Asia
8.9 India
8.10 Australia & New Zealand
9 Latin America
9.1 Latin America Personal Loans Market Size (2021–2032)
9.2 Latin America Personal Loans Market Growth Rate by Country: 2021 vs 2025 vs 2032
9.3 Latin America Personal Loans Market Size by Country (2021–2026)
9.4 Latin America Personal Loans Market Size by Country (2027–2032)
9.5 Mexico
9.6 Brazil
10 Middle East & Africa
10.1 Middle East & Africa Personal Loans Market Size (2021–2032)
10.2 Middle East & Africa Personal Loans Market Growth Rate by Country: 2021 vs 2025 vs 2032
10.3 Middle East & Africa Personal Loans Market Size by Country (2021–2026)
10.4 Middle East & Africa Personal Loans Market Size by Country (2027–2032)
10.5 Israel
10.6 Saudi Arabia
10.7 UAE
11 Key Players Profiles
11.1 LightStream
11.1.1 LightStream Company Details
11.1.2 LightStream Business Overview
11.1.3 LightStream Personal Loans Introduction
11.1.4 LightStream Revenue in Personal Loans Business (2021–2026)
11.1.5 LightStream Recent Development
11.2 SoFi
11.2.1 SoFi Company Details
11.2.2 SoFi Business Overview
11.2.3 SoFi Personal Loans Introduction
11.2.4 SoFi Revenue in Personal Loans Business (2021–2026)
11.2.5 SoFi Recent Development
11.3 Citizens Bank
11.3.1 Citizens Bank Company Details
11.3.2 Citizens Bank Business Overview
11.3.3 Citizens Bank Personal Loans Introduction
11.3.4 Citizens Bank Revenue in Personal Loans Business (2021–2026)
11.3.5 Citizens Bank Recent Development
11.4 Marcus
11.4.1 Marcus Company Details
11.4.2 Marcus Business Overview
11.4.3 Marcus Personal Loans Introduction
11.4.4 Marcus Revenue in Personal Loans Business (2021–2026)
11.4.5 Marcus Recent Development
11.5 FreedomPlus
11.5.1 FreedomPlus Company Details
11.5.2 FreedomPlus Business Overview
11.5.3 FreedomPlus Personal Loans Introduction
11.5.4 FreedomPlus Revenue in Personal Loans Business (2021–2026)
11.5.5 FreedomPlus Recent Development
11.6 Payoff
11.6.1 Payoff Company Details
11.6.2 Payoff Business Overview
11.6.3 Payoff Personal Loans Introduction
11.6.4 Payoff Revenue in Personal Loans Business (2021–2026)
11.6.5 Payoff Recent Development
11.7 OneMain Financial
11.7.1 OneMain Financial Company Details
11.7.2 OneMain Financial Business Overview
11.7.3 OneMain Financial Personal Loans Introduction
11.7.4 OneMain Financial Revenue in Personal Loans Business (2021–2026)
11.7.5 OneMain Financial Recent Development
11.8 Avant
11.8.1 Avant Company Details
11.8.2 Avant Business Overview
11.8.3 Avant Personal Loans Introduction
11.8.4 Avant Revenue in Personal Loans Business (2021–2026)
11.8.5 Avant Recent Development
11.9 Prosper
11.9.1 Prosper Company Details
11.9.2 Prosper Business Overview
11.9.3 Prosper Personal Loans Introduction
11.9.4 Prosper Revenue in Personal Loans Business (2021–2026)
11.9.5 Prosper Recent Development
11.10 Lending Club
11.10.1 Lending Club Company Details
11.10.2 Lending Club Business Overview
11.10.3 Lending Club Personal Loans Introduction
11.10.4 Lending Club Revenue in Personal Loans Business (2021–2026)
11.10.5 Lending Club Recent Development
11.11 Best Egg
11.11.1 Best Egg Company Details
11.11.2 Best Egg Business Overview
11.11.3 Best Egg Personal Loans Introduction
11.11.4 Best Egg Revenue in Personal Loans Business (2021–2026)
11.11.5 Best Egg Recent Development
11.12 Earnest
11.12.1 Earnest Company Details
11.12.2 Earnest Business Overview
11.12.3 Earnest Personal Loans Introduction
11.12.4 Earnest Revenue in Personal Loans Business (2021–2026)
11.12.5 Earnest Recent Development
11.13 Payoff
11.13.1 Payoff Company Details
11.13.2 Payoff Business Overview
11.13.3 Payoff Personal Loans Introduction
11.13.4 Payoff Revenue in Personal Loans Business (2021–2026)
11.13.5 Payoff Recent Development
11.14 Earnin
11.14.1 Earnin Company Details
11.14.2 Earnin Business Overview
11.14.3 Earnin Personal Loans Introduction
11.14.4 Earnin Revenue in Personal Loans Business (2021–2026)
11.14.5 Earnin Recent Development
12 Analyst's Viewpoints/Conclusions
13 Appendix
13.1 Research Methodology
13.1.1 Methodology/Research Approach
13.1.1.1 Research Programs/Design
13.1.1.2 Market Size Estimation
13.1.1.3 Market Breakdown and Data Triangulation
13.1.2 Data Source
13.1.2.1 Secondary Sources
13.1.2.2 Primary Sources
13.2 Author Details
13.3 Disclaimer
TABLE OF FIGURES
List of Tables
List of Figures
KEY QUESTIONS ADDRESSED BY THE REPORT
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REPORT COVERAGE
DESCRIPTION
OVERVIEW
MARKET SEGMENTATION
CHAPTER OUTLINE
QYRESEARCH'S STRENGTHS
TABLE OF CONTENTS
TABLE OF FIGURES
RLEATED REPORTS
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