This report provides an overview of non-prime (also referred to as sub-prime) consumer credit in Europe
- The publisher estimates the total size of non-prime lending at a total European level and by country, measured as a percentage of total consumer lending.
- The publisher indentifies over 40 lenders setting out our views on their size, positioning and countries of operation
- The publisher summarises the different regulatory arrangements across Europe that result in there being different levels of non-prime lending in each country.
- An overview of the UK market is included, broken down by segment and summarising recent developments.
- The publisher classifies consumer credit as non-prime if the Annual Percentage Rate of interest (including interest and other charges) is over 30%.
- All types of unsecured consumer credit are included but not mortgages.
- The publisher excludeslending to sub-prime customers (including those with poor credit ratings or thin credit history files) at prime interest rates, defined as being below 30%
Table of Contents
Introduction
- About this report
- About the Publisher
- Contents
Market overview and size
- Availability of non-prime lending by country in Europe
- Size of consumer credit markets where non-prime credit is available
- European non-prime consumer credit market size by country
- Overview of non-prime lending in the UK
European non-prime lenders
- Availability of non-prime lending by country in Europe
- Size of consumer credit markets where non-prime credit is available
- Appendix
