New figures released today 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.
“As always, customers who are worried about meeting payments should speak to their lender as soon as possible to find a solution.”
| Table 1: 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 |
| Table 2: 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 |
Note to editors:
- Consumer car finance reported in these figures refers to finance obtained through the point of sale.
- In 2024, FLA members provided £156 billion of new finance to UK businesses and households. £116 billion of this was in the form of consumer credit, almost a third of total new consumer credit written in the UK in 2024. £52 billion of it supported the purchase of new and used cars, including around 80% of private new car registrations.
- For media enquiries, please contact the FLA press office on 020 7420 9656.
