The volume of car loans issued in the Russian Federation decreased by a quarter in 2025

According to preliminary estimates, Russian banks issued car loans in the amount of 1.7 trillion rubles in 2025, which is a quarter less than in 2024. This was reported on January 15 by TASS with reference to the VTB press service.

According to experts, October was the peak month in the car loan segment, when loans exceeded the result for the same period in 2024 by 27%. It is noted that Russian and Chinese cars have retained their dominant positions in the car loan market.

According to analysts' forecasts, in January 2026, the volume of car loans may amount to about 116 billion rubles, this result will be 36% higher than in January 2025. It is believed that dealer discounts and the effect of "last year's" car contribute to the growth in demand.

In addition, experts predict that in 2026, the car loan segment will be at a level comparable to last year.

"Buyers are exhausted": car sales in 2025 decreased by 16%

Chinese cars are being replaced by Russian models

On December 23, the National Bureau of Credit Histories (NBKI) reported that in January-November 2025, car loans in the amount of 1,375.3 billion rubles were issued in Russia. This is 34.2% less than in the same period last year, when the volume of disbursements amounted to 2089.4 billion rubles.

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