Professionals in the sector tend to validate this observation. Indeed, according to their figures the “credit conso” shows signs of good health. Between the summer of 2017 and that of the current year, institutions specializing in consumer credit have unlocked some 42 billion euros to individuals. Not surprisingly, personal loans are primarily boosted by auto financing.

In fact, the automotive sector can count on the attractiveness of leasing purchases starting with lease with a purchase option (+ 17.9% of production). Although repayment payments are replaced by rents, this financing remains a form of consumer loan. The French quickly adopted the LOA in relation to conventional car loans. However, many comparisons conducted by consumer magazines show that auto credit remains advantageous in many cases.