Consumer Lending Industry - Market Size, Trends, and Growth - 2025-2030

Industry Overview

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers. Illustrative Examples: Finance companies (i.e., unsecured cash loans) Personal credit institutions (i.e., unsecured cash loans) Loan companies (i.e., consumer, personal, student, small) Student loan companies
Source: U.S. Census Bureau

Market Size and Industry Forecast

This research report analyzes the market size and trends in the Consumer Lending industry. It shows overall market size from 2020 to the present, and predicts industry growth through 2030. Revenues data include both public and private companies.

HistoricalForecasted
20202021202220232024202520262027202820292030
Market Size (Total Revenue)

Lock

% Growth Rate
Number of Companies
Total Employees
Average Revenue per Company
Average Employees per Company
Source: U.S. government financial data

Industry Revenue ($ Billions)

Industry Market Size
  • 2018
  • 2019
  • 2020
  • 2021
  • 2022
  • 2023
  • 2024


Advanced econometric models forecast five years of industry growth based on short- and long-term trend analysis. Market size includes revenue generated from all products and services sold within the industry.

Geographic Breakdown by U.S. State

Market size by state reveals local opportunity through the number of companies located in the region. Each state's growth rate is affected by regional economic conditions. Data by state can be used to pinpoint profitable and nonprofitable locations for Consumer Lending companies in the United States.

Consumer Lending Revenue by State

Market Size by State

Distribution by Company Size

Company SizeAll IndustriesConsumer Lending
Small Business (< 5 Employees)

Lock

Small Business (5 - 20)
Midsized Business (20 - 100)
Large Business (100 - 500)
Enterprise (> 500)

Consumer Lending Industry Income Statement (Average Financial Metrics)

Financial statement analysis determines averages for the following industry forces:
The report includes a traditional income statement from an "average" company (both public and private companies included).

Industry AveragePercent of Sales
Total Revenue

Lock

Operating Revenue
Cost of Goods Sold (COGS)
Gross Profit
Operating Expenses
Operating Income
Non-Operating Income
Earnings Before Interest and Taxes (EBIT)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit


Average Income Statement

Average Income Statement

Cost of Goods Sold

Salaries, Wages, and Benefits

Rent

Advertising

Depreciation and Amortization

Officer Compensation

Net Income


Financial Ratio Analysis

Financial ratios allow a company's performance to be compared against that of its peers.

Financial RatioIndustry Average
Profitability Ratios

Lock

Profit Margin
ROE
ROA
Liquidity Ratios
Current Ratio
Quick Ratio
Activity Ratios
Average Collection Period
Asset Turnover Ratio
Receivables Turnover Ratio
Inventory Conversion Ratio

Consumer Lending Industry Compensation and Salary Surveys

TitlePercent of WorkforceBottom QuartileAverage (Median) SalaryUpper Quartile
Management Occupations7%

Chief Executives0%
General and Operations Managers2%
Business and Financial Operations Occupations32%
Financial Specialists27%
Credit Counselors and Loan Officers19%
Loan Officers18%
Sales and Related Occupations11%
Office and Administrative Support Occupations44%
Financial Clerks9%
Information and Record Clerks25%
Customer Service Representatives7%
Customer Service Representatives7%
Loan Interviewers and Clerks16%
Loan Interviewers and Clerks16%

Government Contracts

The federal government spent an annual total of $5,185 on the consumer lending industry. It has awarded 1 contracts to 1 companies, with an average value of $5,185 per company.

Top Companies in Consumer Lending and Adjacent Industries

CompanyAddressRevenue
($ Millions)





Order the Report on Consumer Lending
PublisherPell Research
GeographyUnited States
Publication DateMarch 2025
Report FormatPDF Download  PDF
Price

Consumer Lending Report Contents
Report Objectives

For Private Equity Firms & Investors

For Business Executives

For Startups

For Venture Capital

Related Market Research Reports

Depository Credit Intermediation
Commercial Banking
Savings Institutions
Credit Unions
Nondepository Credit Intermediation
Credit Card Issuing
Sales Financing
Consumer Lending
Real Estate Credit
International Trade Financing
Secondary Market Financing
Mortgage & Nonmortgage Loan Brokers
Financial Transactions Processing, Reserve & Clearinghouse Activities