The average term of a car loan in Russia has increased by 12 over the year.%

In December last year, the average term of car loans for new and used cars in Russia reached 5.8 years. It grew by 12% over the year (from 5.2 years ago), and by 0.7% relative to November. As the National Bureau of Credit Histories (NBKI) reported on February 4, this indicator has been growing for the eighth month in a row and reached its peak value over the past year.

The highest average term of car loans issued in the regions of the Russian Federation at the end of last year was recorded in Krasnodar (6.35 years) and Stavropol (6.32 years) territories, as well as in the Tyumen Region (with Khanty-Mansi Autonomous Okrug and Yamalo-Nenets Autonomous District), the Republic of Bashkortostan and the Volgograd Region (everywhere for more than six years).

NBKI experts noted that until the beginning of 2025, the average term of car loans decreased against the background of a reduction in their issuance and the average check. The increase in car loan terms has recently allowed banks to monitor borrowers' debt burden by reducing the monthly payment amount. Due to this, it is not allowed to exceed the 50% level of the debt burden.

According to the bureau, in December 2025, the average amount of car loans issued amounted to 1.49 million rubles, an increase of 17.7% (1.26 million rubles) compared to the same period last year.

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Earlier, on January 29, it was reported that by the end of 2025, the share of retail loan approvals in Russia had dropped to a record low of 17-18%. Car loans were the most problematic category, with a failure rate of 84%.

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