FLA Members provided £163bn of new lending in 2025
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 £162.8bn of new lending in 2025, 5% higher than in 2024. Of this total:
- £40.3bn was provided to businesses for investment in machinery, equipment, and vehicles, including £24.4bn to SMEs.
- £122.5bn was provided to households, including £41.1bn for new and used car purchases.
- £65.2bn 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 |