New figures released today by the Finance & Leasing Association (FLA) show that FLA members across the asset finance, consumer finance and motor finance markets provided a record £162.8 billion of new lending in 2025, 5% higher than in 2024. Of this total:
- £40.3 billion was provided to businesses for investment in machinery, equipment, and vehicles, including £24.4 billion to SMEs.
- £122.5 billion was provided to households, including £41.1 billion for new and used car purchases.
- £2 billion was provided by non-bank lenders.
Shanika Amarasekara, CEO of the FLA, said:
“Asset finance, motor finance and consumer finance are essential to the UK’s real economy. They help businesses invest, support households with the cost of major purchases and keep economic activity moving across the country.
“Our latest data highlights the significant role FLA members have played over the past year, continuing to provide finance to businesses and consumers despite a challenging economic backdrop.
“With the right economic and regulatory environment our sector can continue to play a crucial role in supporting investment, helping businesses grow and ensuring households can access the finance they need.”
| Dec 2025 | % change on prev. year | 3 months to Dec 2025 | % change on prev. year | 12 months to Dec 2025 | % change on prev. year | |
| Total FLA new business (£m) | 13,925 | 8 | 41,216
|
6 | 162,795
|
5 |
| By customer:
|
||||||
| Business (asset) finance (£m) | 3,536 | 3 | 10,544 | 5 | 40,329 | 1 |
| Consumer finance (£m) | 10,388 | 10 | 30,672 | 7 | 122,465 | 6 |
|
Within the above: |
||||||
| Motor finance (£m) | 3,928 | 10 | 12,662 | 6 | 54,505 | 5 |
Note to editors:
- In 2025, FLA members financed a third of UK investment in machinery, equipment and purchased software in the UK, provided almost a third of total new consumer credit written in the UK in 2025, including finance for over 85% of private new car registrations.
- For media enquiries, please contact the FLA press office on 020 7420 9656.
