The volume of car loans in Russia decreased by 8% in January%

In January 2026, 64.7 thousand car loans were issued in Russia, which is 8% less than in January last year. This was announced in his Telegram channel by Sergey Tselikov, director of the Autostat analytical agency, with reference to data from a joint project with Frank RG.

As the expert pointed out, the trends in car loans in the new and used car markets are different. Thus, the volume of loans for new cars decreased by 20%, to 35.5 thousand units. The share of car loans in sales to individuals decreased by almost 8 percentage points (to 50.2%).

At the same time, the volume of loans for the purchase of used cars, on the contrary, increased by 12% in January and reached 29.2 thousand units. The estimated share of secured car loans in the secondary market increased by 1.4 percentage points year-on-year, to 7.7%.

The analyst drew attention to three trends: a significant increase in the average loan size (especially for new cars); a systematic reduction in the interest rate on loans (by 3.2%-3.6%); as well as a slight increase in the average approval level for new cars (+1 percentage points) and a more significant increase for used cars (+4 percentage pointsP.).

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Earlier, on February 4, it was reported that 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. The average amount of car loans issued was 1.49 million rubles, an increase of 17.7% (1.26 million rubles) compared to the same period last year.

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