자동차 금융 시장 규모, 점유율, 성장 분석 : 차량 연령별, 목적별, 유통 채널별, 용도별, 지역별 - 산업 예측(2025-2032년)
Car Finance Market Size, Share, and Growth Analysis, By Vehicle Age (New Vehicles, Used Vehicles), By Purpose (Loans, Lease), By Distribution Channel, By Application, By Region - Industry Forecast 2025-2032
상품코드:1658100
리서치사:SkyQuest
발행일:2025년 02월
페이지 정보:영문 207 Pages
라이선스 & 가격 (부가세 별도)
한글목차
자동차 금융 세계 시장 규모는 2023년 2,788억 1,000만 달러, 2024년 2,991억 6,000만 달러에서 2032년 5,256억 6,000만 달러로 성장할 것으로 예상되며, 예측 기간(2025-2032년) 동안 7.3%의 연평균 복합 성장률(CAGR)을 보일 전망입니다.
세계 자동차 금융 시장은 빠르게 진화하고 있으며, 자동차 소유권을 강화하는 융자 및 리스 옵션이 그 원동력이 되고 있습니다. 경제 동향, 금리 변동, 소비자 선호도 변화는 이 분야에 큰 영향을 미치고 있습니다. 전통적인 은행 대출은 제조업체가 지원하는 프로그램과 경쟁에 직면하고 있으며, 온라인 플랫폼의 출현으로 신청 절차가 간소화되었습니다. 시장 확대는 자동차 판매 및 신용의 접근성과 밀접한 관련이 있습니다. 전기자동차 및 구독 서비스와 같은 혁신의 도입과 함께 자동차 금융 부문의 미래는 지속 가능한 관행을 통합하고 디지털 혁신을 수용하며 변화하는 소비자 수요에 대응할 수 있는 유연한 전략을 개발하는 데 달려있습니다. 또한, 시장의 기업들은 장기적인 성장과 안정성을 보장하기 위해 대출 및 시장 변동에 따른 위험을 피해야 합니다.
목차
서론
조사 목적
조사 범위
정의
조사 방법
정보 조달
2차와 1차 데이터 방법
시장 규모 예측
시장 전제조건과 제한
주요 요약
세계 시장 전망
공급과 수요 동향 분석
부문별 기회 분석
시장 역학과 전망
시장 개요
시장 규모
시장 역학
성장 촉진요인과 기회
성장 억제요인과 과제
Porter의 Five Forces 분석
주요 시장 인사이트
중요 성공 요인
경쟁 정도
주요 투자 기회
시장 생태계
시장의 매력 지수(2024년)
PESTEL 분석
거시경제 지표
밸류체인 분석
가격 분석
자동차 금융 시장 규모 : 차량 연령별&CAGR(2025-2032년)
시장 개요
신차
중고차
자동차 금융 시장 규모 : 목적별&CAGR(2025-2032년)
시장 개요
대출
리스
자동차 금융 시장 규모 : 유통 채널별&CAGR(2025-2032년)
시장 개요
은행
OEM
신용조합
기타
자동차 금융 시장 규모 : 용도별&CAGR(2025-2032년)
시장 개요
개인용
상업용
자동차 금융 시장 규모 : 지역별&CAGR(2025-2032년)
북미
미국
캐나다
유럽
독일
스페인
프랑스
영국
이탈리아
기타 유럽
아시아태평양
중국
인도
일본
한국
기타 아시아태평양
라틴아메리카
브라질
기타 라틴아메리카
중동 및 아프리카
GCC 국가
남아프리카공화국
기타 중동 및 아프리카
경쟁 정보
주요 5개사 비교
주요 기업의 시장 포지셔닝(2024년)
주요 시장 기업이 채택한 전략
최근 시장 동향
기업의 시장 점유율 분석(2024년)
주요 기업 개요
기업 상세
제품 포트폴리오 분석
기업 부문별 점유율 분석
전년대비 매출 비교(2022-2024년)
주요 기업 개요
Ally Financial Inc.(United States)
Wells Fargo & Company(United States)
Bank of America Corporation(United States)
Capital One Financial Corporation(United States)
Santander Consumer USA Holdings Inc.(United States)
Credit Acceptance Corporation(United States)
CarMax, Inc.(United States)
Ford Motor Credit Company LLC(United States)
Toyota Financial Services Corporation(Japan)
Honda Financial Services(Japan)
Volkswagen Financial Services AG(Germany)
BMW Financial Services(Germany)
Daimler Financial Services AG(Germany)
Hyundai Capital Services, Inc.(South Korea)
Nissan Motor Acceptance Corporation(Japan)
General Motors Financial Company, Inc.(United States)
Chase Auto Finance(United States)
PNC Financial Services Group, Inc.(United States)
TD Auto Finance(Canada)
HSBC Auto Finance(United Kingdom)
결론과 제안
LSH
영문 목차
영문목차
Global Car Finance Market size was valued at USD 278.81 billion in 2023 and is poised to grow from USD 299.16 billion in 2024 to USD 525.66 billion by 2032, growing at a CAGR of 7.3% during the forecast period (2025-2032).
The global car finance market is rapidly evolving, driven by lending and leasing options that enhance vehicle ownership. Economic trends, fluctuating interest rates, and shifting consumer preferences significantly impact the sector. Traditional bank financing faces competition from manufacturer-backed programs, while the emergence of online platforms streamlines application processes. Market expansion is closely linked to vehicle sales and credit accessibility. With the introduction of innovations such as electric vehicles and subscription services, the future of the car finance sector relies on integrating sustainable practices, embracing digital transformation, and developing flexible strategies to meet changing consumer demands. Additionally, market players must navigate the risks associated with lending and market volatility to ensure long-term growth and stability.
Top-down and bottom-up approaches were used to estimate and validate the size of the Global Car Finance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.
Global Car Finance Market Segments Analysis
Global Car Finance Market is segmented by Vehicle Age, Purpose, Distribution Channel, Application and region. Based on Vehicle Age, the market is segmented into New Vehicles and Used Vehicles. Based on Purpose, the market is segmented into Loans and Lease. Based on Distribution Channel, the market is segmented into Banks, OEMs, Credit Unions and Others. Based on Application, the market is segmented into Personal and Commercial. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.
Driver of the Global Car Finance Market
The global car finance market is propelled by a growing consumer appetite for budget-friendly payment solutions, alongside favorable low-interest rates and enhanced accessibility to vehicles. Innovations in digital lending technology have transformed the financing landscape, making it easier for consumers to secure loans. Additionally, the emergence of flexible leasing and subscription models has contributed to the expansion of this market by offering alternatives that cater to varying consumer preferences. As these factors converge, they collectively stimulate significant growth within the car finance sector, reflecting the evolving needs and desires of today's vehicle purchasers.
Restraints in the Global Car Finance Market
The global car finance market is currently encountering several constraints, primarily stemming from economic volatility and unstable interest rates, which pose risks to credit availability. Additionally, evolving regulatory frameworks and increasing environmental awareness may influence consumer behavior, pushing them towards alternative mobility solutions. The growing trend of shared mobility could further disrupt traditional car ownership patterns, resulting in decreased demand for personal vehicle financing. These factors collectively present significant hurdles for the market, as stakeholders navigate the complexities of adapting to changing consumer preferences and external economic pressures that may inhibit growth and profitability in the sector.
Market Trends of the Global Car Finance Market
The global car finance market is currently on an upward trajectory, fueled by escalating consumer demand for vehicles and a push for flexible payment solutions. Prominent trends include a migration to digital platforms for loan applications, an increase in leasing arrangements that offer reduced initial costs, and the emergence of innovative financing models such as subscription services. Technology is also playing a crucial role, enabling tailored financial offerings and improved customer engagement. Nevertheless, the sector faces challenges like evolving regulatory standards affecting lending and the imperative for enhanced cybersecurity. Overall, this market reflects shifting consumer behaviors, rapid digital transformation, and ongoing innovation among financial providers.
Table of Contents
Introduction
Objectives of the Study
Scope of the Report
Definitions
Research Methodology
Information Procurement
Secondary & Primary Data Methods
Market Size Estimation
Market Assumptions & Limitations
Executive Summary
Global Market Outlook
Supply & Demand Trend Analysis
Segmental Opportunity Analysis
Market Dynamics & Outlook
Market Overview
Market Size
Market Dynamics
Drivers & Opportunities
Restraints & Challenges
Porters Analysis
Competitive rivalry
Threat of substitute
Bargaining power of buyers
Threat of new entrants
Bargaining power of suppliers
Key Market Insights
Key Success Factors
Degree of Competition
Top Investment Pockets
Market Ecosystem
Market Attractiveness Index, 2024
PESTEL Analysis
Macro-Economic Indicators
Value Chain Analysis
Pricing Analysis
Global Car Finance Market Size by Vehicle Age & CAGR (2025-2032)
Market Overview
New Vehicles
Used Vehicles
Global Car Finance Market Size by Purpose & CAGR (2025-2032)
Market Overview
Loans
Lease
Global Car Finance Market Size by Distribution Channel & CAGR (2025-2032)
Market Overview
Banks
OEMs
Credit Unions
Others
Global Car Finance Market Size by Application & CAGR (2025-2032)
Market Overview
Personal
Commercial
Global Car Finance Market Size & CAGR (2025-2032)
North America (Vehicle Age, Purpose, Distribution Channel, Application)
US
Canada
Europe (Vehicle Age, Purpose, Distribution Channel, Application)
Germany
Spain
France
UK
Italy
Rest of Europe
Asia Pacific (Vehicle Age, Purpose, Distribution Channel, Application)
China
India
Japan
South Korea
Rest of Asia-Pacific
Latin America (Vehicle Age, Purpose, Distribution Channel, Application)
Brazil
Rest of Latin America
Middle East & Africa (Vehicle Age, Purpose, Distribution Channel, Application)
GCC Countries
South Africa
Rest of Middle East & Africa
Competitive Intelligence
Top 5 Player Comparison
Market Positioning of Key Players, 2024
Strategies Adopted by Key Market Players
Recent Developments in the Market
Company Market Share Analysis, 2024
Company Profiles of All Key Players
Company Details
Product Portfolio Analysis
Company's Segmental Share Analysis
Revenue Y-O-Y Comparison (2022-2024)
Key Company Profiles
Ally Financial Inc. (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Wells Fargo & Company (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Bank of America Corporation (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Capital One Financial Corporation (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Santander Consumer USA Holdings Inc. (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Credit Acceptance Corporation (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
CarMax, Inc. (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Ford Motor Credit Company LLC (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Toyota Financial Services Corporation (Japan)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Honda Financial Services (Japan)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Volkswagen Financial Services AG (Germany)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
BMW Financial Services (Germany)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Daimler Financial Services AG (Germany)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Hyundai Capital Services, Inc. (South Korea)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Nissan Motor Acceptance Corporation (Japan)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
General Motors Financial Company, Inc. (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
Chase Auto Finance (United States)
Company Overview
Business Segment Overview
Financial Updates
Key Developments
PNC Financial Services Group, Inc. (United States)
