Consumer Credit Report 2025

The UK’s unsecured consumer credit market stands at a pivotal moment, recovering steadily from recent economic shocks while presenting a cautiously optimistic outlook.

Download your copy of the Consumer Credit Report 2025 for an in-depth look at the current and future state of UK consumer finances. The report features original consumer research, data analysis, and valuable insights from TransUnion across a broad range of topics.

Download the Consumer Credit Report to access:

Fresh insights into consumer behaviour & market dynamics
Discover how evolving consumer mindsets, the rise of BNPL, and shifting preferences are reshaping the unsecured credit landscape—essential for staying ahead in a competitive market.

Regulatory & strategic foresight
Stay informed on upcoming regulatory changes and strategic imperatives, including the growing importance of credit education and consumer empowerment.

Factors fuelling the retention challenge
Learn how to navigate the retention challenge in an increasingly crowded space, with actionable takeaways on engaging the empowered borrower and standing out in the BNPL vs. credit card battle to win share of consumer wallet.

Is the unsecured credit market thriving or just surviving? Find out by downloading the report.

Download your copy now

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©2025 TransUnion Information Group Limited. All rights reserved. Registered in England and Wales with company number 04968328. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. TransUnion International UK Limited, part of the TransUnion Information Group, is authorised and regulated by the Financial Conduct Authority under registration number 737740. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. TransUnion International UK Limited is a credit broker and not a lender. TransUnion Information Group Limited and its subsidiaries utilise the TransUnion name under licence from TransUnion LLC.