The number of people willing to buy a car on credit has increased in the Russian Federation

At the end of 2025 or in the first half of next year, 28% of Russians surveyed plan to buy a car on credit. Over the past six months (compared to the survey conducted in the spring), the number of such respondents has increased by 4 percentage points. This is stated in the Avito Auto study (Izvestia has it).

Experts have recorded an increase in interest among Russians in applying for a loan online: since the second quarter, the number of applications for used cars has increased by almost 10%. At the same time, the gradual reduction of the key interest rate had a noticeable effect on the dynamics: thanks to this, borrowed funds have become more affordable, and consumers are more actively considering them as a way to buy a car, analysts noted.

On average, Russians are considering buying a car on credit for 2.14 million, which is 4.5% (about 100 thousand rubles) more than in the spring. More than half (56%) consider cars in the price category of up to 2 million rubles. Another 28% choose a vehicle for 2-3 million, and 12% — for 3-5 million. Only 4% of respondents are ready to spend more than 5 million rubles.

The average amount for which the respondents are going to take out a loan was 1.5 million rubles. 38% of respondents need less than 1 million rubles to buy a car, 34% — from 1 million to 2 million. One in ten plans to receive 3-5 million rubles from the bank. Only 3% of respondents need a larger loan amount.

Slightly more often, Russians planning such an acquisition aim to take out a loan to buy a used car (47% and 45% for a new one). However, 8% of respondents consider both options. The most popular loan repayment periods are from four to five years (35% of respondents) and from one to three years (34%). 21% of respondents plan to repay borrowed funds for more than five years, which is 4% more than six months earlier. Another 11% are considering loans with a short term of up to one year.

Stop cars: banks approved half as many loans for used cars

Financial organizations do not consider them as liquid collateral

Earlier, on November 20, it was reported that in 10 months of 2025, 383 thousand car loans were issued in Russia for the purchase of used cars, which is 53% less than in the same period last year. In monetary terms, the reduction in lending amounted to 57%, to 472.3 billion rubles.

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