Europe Motorcycle Loan Market Size
| Study Period | 2020 - 2030 |
| Base Year For Estimation | 2024 |
| Forecast Data Period | 2025 - 2030 |
| Market Size (2025) | USD 12.84 Billion |
| Market Size (2030) | USD 18.01 Billion |
| CAGR (2025 - 2030) | 7.00% |
| Market Concentration | Low |
Major Players
*Disclaimer: Major Players sorted in no particular order |
Europe Motorcycle Loan Market Analysis
The Europe Motorcycle Loan Market size is estimated at USD 12.84 billion in 2025, and is expected to reach USD 18.01 billion by 2030, at a CAGR of 7% during the forecast period (2025-2030).
The European motorcycle loan market is an important segment of the overall automotive financing industry. Europe includes a strong motorcycle culture, with many motorcycle enthusiasts and riders. Various lending institutions, including banks, credit unions, and specialized motorcycle financing companies, serve Europe's motorcycle loan market. Both traditional financial institutions and non-banking entities offer motorcycle loan products to cater to the needs of consumers.
Interest rates and loan terms in the European motorcycle loan market can vary depending on the borrower's creditworthiness, the loan amount, and the lender's policies. Borrowers must compare loan offers to find the most favorable terms for their needs. Many lenders in Europe include partnerships with motorcycle manufacturers and dealerships. These partnerships can benefit borrowers such as preferential interest rates, promotional offers, or streamlined loan application processes.
The European motorcycle loan market saw an increase in the adoption of online and digital platforms for loan applications and management. Borrowers can apply for loans online, upload required documentation, and track the status of their loan application or repayment online. Each European country includes its regulatory framework governing the motorcycle loan market. These regulations aim to protect consumers and ensure fair lending practices. Lenders must comply with these regulations, which may include requirements for transparency, consumer protection, and responsible lending.
The pandemic led to an economic downturn in many European countries, with widespread job losses, reduced income levels, and financial uncertainties. It affected consumer confidence and purchasing power, leading to a decline in motorcycle sales and a decreased demand for motorcycle loans.
Europe Motorcycle Loan Market Trends
Banks are the Major Provider in Europe Motorcycle Loan Market
The European motorcycle loan market has the potential to become more competitive as financial institutions, including banks, credit unions, and specialized lenders, compete for market share. This competition may lead to the offering of more attractive loan terms, promotional offers, and improved customer service. As a result, borrowers could benefit from a wider range of lenders and potentially more favorable loan options.
Banks are indeed significant providers in the European motorcycle loan market. However, it's important to note that the market also includes other financial institutions such as credit unions, online lenders, and specialized motorcycle financing companies. Banks typically offer competitive interest rates and various loan terms for motorcycle purchases, making them a popular choice among consumers. However, the availability of motorcycle loans and the terms offered can vary based on the country and the specific lender.
Motorcycle Unit Sales in Germany Impact on Loan Market in Europe
The rising sales of motorcycle units in Europe can significantly impact the loan market. As more individuals purchase motorcycles, there is a heightened demand for motorcycle loans to fund these purchases. This increased demand can result in lenders offering more competitive loan terms to attract borrowers in Europe.
The sales of motorcycles in Germany have the potential to significantly impact the loan market in Europe, subject to various influencing factors. Rising motorcycle sales tend to drive up the demand for loans, specifically for financing these purchases. Consequently, this heightened demand can have a ripple effect on the overall loan market, influencing interest rates and loan accessibility. Lenders, being responsive to market dynamics, may adapt their lending practices accordingly. In the wake of increased motorcycle sales, lenders might offer more competitive loan options, like lower interest rates or flexible terms, in a bid to attract borrowers. It's worth noting that changes in the regulatory landscape, irrespective of motorcycle sales, can also shape loan availability and terms, for instance, through stricter lending regulations or policies
Europe Motorcycle Loan Industry Overview
The competitive landscape of the motorcycle loan market in Europe comprises various financial institutions and lenders offering financing options for motorcycle purchases. The competitive landscape in the European motorcycle loan market may vary across countries and regions. Local and regional banks, credit unions, and specialized lending institutions also play significant roles in specific markets. Additionally, motorcycle manufacturers often include partnerships with financial institutions to provide financing options for their customers.
Players' competitiveness in the European motorcycle loan market includes interest rates, loan terms, loan approval process efficiency, customer service, digital capabilities, and partnerships with manufacturers and dealerships. Lenders strive to differentiate themselves through competitive offerings, value-added services, and innovative loan products to attract borrowers. Following is the list of Major Companies in the Market: Santander Consumer Bank, BNP Paribas Personal Finance, Crédit Agricole Consumer Finance, Volkswagen Financial Services, and Yamaha Motor Finance
Europe Motorcycle Loan Market Leaders
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Santander Consumer Bank
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BNP Paribas Personal Finance
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Crédit Agricole Consumer Finance
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Volkswagen Financial Services
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Yamaha Motor Finance
- *Disclaimer: Major Players sorted in no particular order
Europe Motorcycle Loan Market News
- June 2023: Cairo - Contact Credit, one of Contact Financial Holding's subsidiaries, the leading non-banking financial services company, announced the launch of the motorcycle finance product. It is part of the company's plan and continuous endeavors to provide consumer finance services.
- February 2022: Hitachi Capital (UK) PLC, one of the top financial services providers in the UK, will soon change its name to Mitsubishi HC Capital UK PLC and begin trading as Novuna in the UK and Mitsubishi HC Capital group in Europe. It will usher in a new era for the company. Large-scale product digitization and rising levels of automation are top priorities as the industry enters this new era to improve individual and corporate customer experiences.
Europe Motorcycle Loan Industry Segmentation
The motorcycle loan market in Europe refers to the financial services industry segment that provides loans designed to purchase motorcycles. It involves lending institutions, such as banks, credit unions, specialized lenders, and captive financing arms of motorcycle manufacturers, offering financing options to individuals who wish to buy motorcycles but require financial assistance.
The European motorcycle loan market is segmented by provider type, percentage of amount sanctioned, tenure, and country. Provider type The market is sub-segmented into banks, NBFCS (non-banking financial services), OEM (original equipment manufacturers), and others (fintech companies). The percentage of amount sanctioned by the market is sub-segmented into less than 25%, 25-50%, 51-75%, and more than 75%. Tenure the market is sub-segmented into less than 3 years, 3-5 years, and more than 5 years. Country the market is sub-segmented into the UK, Germany, France, Italy, Netherlands, and the Rest of Europe. The report offers market size and forecasts for the European motorcycle loan market in value (USD) for all the above segments.
| By Vehicle Type | Two-Wheeler |
| Passenger Car | |
| Commercial Vehicle | |
| By Provider Type | Banks |
| NBFCs (Non-Banking Financial Services) | |
| OEM (Original Equipment Manufacturer) | |
| Others (Fintech Companies) | |
| By Percentage of Amount Sanctioned | Less than 25% |
| 25-50% | |
| 51-75% | |
| More than 75% | |
| By Tenure | Less than 3 Years |
| 3-5 Years | |
| More than 5 Years | |
| By Country | UK |
| Germany | |
| France | |
| Italy | |
| Netherlands | |
| Rest of Europe |
| Two-Wheeler |
| Passenger Car |
| Commercial Vehicle |
| Banks |
| NBFCs (Non-Banking Financial Services) |
| OEM (Original Equipment Manufacturer) |
| Others (Fintech Companies) |
| Less than 25% |
| 25-50% |
| 51-75% |
| More than 75% |
| Less than 3 Years |
| 3-5 Years |
| More than 5 Years |
| UK |
| Germany |
| France |
| Italy |
| Netherlands |
| Rest of Europe |
Europe Motorcycle Loan Market Research Faqs
How big is the Europe Motorcycle Loan Market?
The Europe Motorcycle Loan Market size is expected to reach USD 12.84 billion in 2025 and grow at a CAGR of 7% to reach USD 18.01 billion by 2030.
What is the current Europe Motorcycle Loan Market size?
In 2025, the Europe Motorcycle Loan Market size is expected to reach USD 12.84 billion.
Who are the key players in Europe Motorcycle Loan Market?
Santander Consumer Bank, BNP Paribas Personal Finance, Crédit Agricole Consumer Finance, Volkswagen Financial Services and Yamaha Motor Finance are the major companies operating in the Europe Motorcycle Loan Market.
What years does this Europe Motorcycle Loan Market cover, and what was the market size in 2024?
In 2024, the Europe Motorcycle Loan Market size was estimated at USD 11.94 billion. The report covers the Europe Motorcycle Loan Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the Europe Motorcycle Loan Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.
Page last updated on: April 16, 2024
Europe Motorcycle Loan Industry Report
Statistics for the 2025 Europe Motorcycle Loan market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Europe Motorcycle Loan analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.
