Consumer loans for new cars continued to rise in the second quarter of the year
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Febelfin has analysed the figures for consumer credit in the second quarter of 2025. In total, approximately 156,600 loans were granted during this period, amounting to €2.7 billion. This represents a 3.5% increase in the number of new loans compared to the same period in 2024. Notably, consumer loans for new vehicles rose by nearly 7%, totalling 35,500 credit agreements.
We represent 95% of the market for consumer credits in Belgium
1. Consumer credit for cars on the rise
In the second quarter, consumer loans for the purchase of new vehicles reached a total value of €844 million, marking a nearly 15% increase in value. A total of 35,500 credit agreements were signed, up nearly 7% in volume compared to the same period last year.
Regarding new ecological vehicles, just over 2,300 consumer loans were granted for the purchase of environmentally friendly cars, totalling slightly more than €72 million. This accounts for 6.5% of the production of new vehicles (by volume) in the second quarter.
The production of consumer loans for second-hand cars remained stable in terms of volume. More than 34,500 loans were granted, amounting to over €606 million. This reflects a 0.3% decrease in volume but a nearly 3% increase in value compared to the same period last year.
For ecological second-hand vehicles, just over 1,000 loans were recorded in Q2 2025, totalling nearly €23.5 million. This represents only 2.9% of the production of used vehicles.
The market for environmentally friendly second-hand cars remains limited, partly due to the relatively young fleet of such vehicles in Belgium.
2. Consumer loans for energy renovation show declining trend
In the second quarter, only 8,800 new loans were granted for energy renovations, totalling €217 million. This marks a modest increase of 11.4% compared to Q2 2024, but still a significant drop of nearly 41% compared to the same quarter in 2023, during the energy crisis.
“A massive number of energy-saving renovations to Belgium’s ageing housing stock will be urgently needed to meet climate targets. The energy transition will therefore require major investments from individuals, businesses, and the government. The importance of energy renovation must remain a top priority in policy. New awareness campaigns are urgently needed to meet European energy goals."
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