Vietnam Loan Market Grow with a CAGR of 13.22% through 2030F

The Vietnam Loan market is driven by robust economic growth, a burgeoning middle class demanding consumer credit, rapid digitalization enabling fintech innovation, and significant foreign direct investment driving business borrowing.

According to TechSci Research report, “Vietnam Loan Market – By Region, Competition, Forecast & Opportunities, 2030F”, the Vietnam Loan market stood at USD 643.23 Billion in 2024 and is anticipated to grow USD 989.21 Billion by 2030 with a CAGR 13.22% during forecast. The Vietnam Loan market is driven by foreign investment and increasing demand for financing. As foreign capital flows into sectors such as real estate, manufacturing, automotive, and retail, it creates a need for loans to support business expansion and infrastructure development. Multinational companies and foreign investors often require funding to establish or expand their operations, leading to increased borrowing and financing activities. Also, foreign banks and financial institutions entering the Vietnamese market also contribute to the availability of credit, offering diverse lending products and improving competition. This influx of foreign investment helps strengthen the financial sector, supports job creation, and provides opportunities for both local businesses and consumers to access more affordable and varied financing options.

The Vietnam Loan market is primarily driven by financial inclusion across the region. As more people gain access to banking services, the demand for loans increases, particularly among previously underserved populations in rural and remote areas. The expansion of digital banking, mobile payments, and fintech solutions has significantly enhanced access to credit, allowing individuals and small businesses to apply for loans more easily. Also, initiatives from both the government and private sector aim to improve financial literacy and integrate more people into the formal financial system. As financial inclusion grows, more consumers are able to access home, auto, and personal loans, fueling overall market growth. This expanded access supports economic development, reduces poverty, and encourages entrepreneurship, contributing to a more inclusive and sustainable loan market.

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The Vietnam Loan market is segmented into type, provider type, interest rate, tenure period, and region.

Based on the provider type, the non-financial banking companies’ segment is the fastest growing in the Vietnam Loan market driven by increasing demand for alternative financing options, growing small and medium-sized enterprises (SMEs), and the rise of fintech solutions offering more accessible credit products. These companies provide flexible loan options, filling the gap where traditional banks may have limited reach, especially for underserved sectors and consumers.

Based on the region, Central is the fastest-growing region in the Vietnam Loan market, driven by rapid urbanization, increased infrastructure development, and expanding industrial activities. The growing demand for housing, commercial properties, and consumer goods has led to an increase in loans for home mortgages, construction, and personal financing. Also, the region’s strategic location, coupled with government efforts to boost regional development, has attracted investments, further fueling the need for credit. Small and medium-sized enterprises (SMEs) are also thriving in Central Vietnam, further driving demand for business loans and financial products.

Major companies operating in the Vietnam Loan market are:

• Standard Chartered Bank (Vietnam) Limited
• FE CREDIT
• VietinBank Group
• Shinhan Vietnam Finance Company Limited
• Toyota Motor Vietnam Co., Ltd
• Australia and New Zealand Banking Group Limited
• Joint Stock Commercial Bank for Foreign Trade of Vietnam
• TP Bank
• Vietnam International Bank (VIB)
• Vietnam Technological and Commercial Joint-Stock Bank

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“The Vietnam Loan market is expected to grow in the future owing to the rising incomes and a growing population, which together contribute to increased demand for credit. As disposable incomes rise, more consumers are able to access loans for homes, automobiles, and personal needs. Also, the expanding population, particularly in urban areas, leads to higher demand for housing, infrastructure, and consumer goods, further fueling the need for financing. This growing middle class is driving demand across sectors such as real estate, retail, and automotive, creating opportunities for financial institutions to offer tailored loan products., said Mr. Karan Chechi, Research Director of TechSci Research, a research-based management consulting firm.

"Vietnam Loan Market Segmented, By Type (Secured Loan, Unsecured Loan), By Provider Type (Bank, Non-Financial Banking Companies, Others), By Interest Rate (Fixed, Floating), By Tenure Period (Less Than 5 Years, 5-10 Years, 11-20 Years, More than 20 Years), By Region, Competition, Forecast & Opportunities, 2020-2030F”, has evaluated the future growth potential of Vietnam Loan market and provides statistics & information on market size, structure and future market growth. The report intends to provide cutting-edge market intelligence and help decision makers take sound investment decisions. Besides, the report also identifies and analyzes the emerging trends along with essential drivers, challenges, and opportunities in the Vietnam Loan market.

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