Credit, Collections & Insolvency News
New figures released by the Finance & Leasing Association (FLA) show that consumer car finance new business volumes grew in September 2025 by 5% compared with the same month in 2024. The corresponding value of new business was 9% higher over the same period. In the nine months to September 2025, new business volumes grew by 1% compared with the same period in 2024.
The consumer new car finance market reported new business by value and volume 11% higher in September than in the same month in 2024. In the nine months to September 2025, new business volumes in this market were 7% higher than in the same period in 2024.
The consumer used car finance market reported the value of new business 6% higher in September than in the same month in 2024, while new business volumes grew by 1%. In the nine months to September 2025, new business volumes in this market were 2% lower than in the same period in 2024.
Commenting on the figures, Geraldine Kilkelly, Director of Research and Chief Economist at the FLA, said “The consumer car finance market returned to growth in September supported by a strong performance in the new car finance sector. It was a record month for new battery electric vehicles financed by consumers using point-of-sale car finance, accounting for 17% of total volumes.
“The performance of the consumer car finance market so far this year suggests it is on track to meet expectations of 6% growth in the value of new business in 2025 as a whole.
“FLA motor finance providers currently help more than 6 million consumers buy new and used cars across all regions of the UK which is equivalent to enabling more than 1 in 10 UK adults to stay on the move.”
| Cars bought on finance by consumers through the point of sale | ||||||
| New business | Sep 2025 | %
change on prev. year |
3 months to Sep 2025 |
% change on prev. year | 12 months to Sep 2025 | % change on prev. year |
| New cars | ||||||
| Value of advances (£m) | 2,900 | 11 | 5,282 | 6 | 18,845 | 8 |
| Number of cars | 101,581 | 11 | 185,234 | 5 | 658,582 | 5 |
| Used cars | ||||||
| Value of advances (£m) | 1,890 | 6 | 5,619 | 4 | 21,671 | 2 |
| Number of cars | 120,728 | 1 | 360,278 | -1 | 1,406,507 | -2 |
| Total cars | ||||||
| Value of advances (£m) | 4,790 | 9 | 10,901 | 5 | 40,516 | 5 |
| Number of cars | 222,309 | 5 | 545,512 | 1 | 2,065,089 | 0 |
| Cars bought on finance by businesses | ||||||
| New business | Sep 2025 | %
change on prev. year |
3
months to Sep 2025 |
% change on prev. year | 12 months to Sep 2025 | % change on prev. year |
| New cars | ||||||
| Number of cars | 35,419 | 8 | 87,020 | 7 | 363,321 | 0 |
| Used cars | ||||||
| Number of cars | 4,427 | 10 | 12,881 | -19 | 49,787 | -18 |
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