Vietnam Alternative Lending Report 2025: Market to Grow by 14.2% to Reach $9.91 – Forecasts to 2029 – ResearchAndMarkets.com

DUBLIN–(BUSINESS WIRE)–The “Vietnam Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments – Databook Q4 2025 Update” report has been added to ResearchAndMarkets.com’s offering.

Alternative lending market in Vietnam is expected to grow by 14.2% annually, reaching US$9.91 billion by 2025.

The alternative lending market in the country has experienced robust growth during 2020-2024, achieving a CAGR of 15.7%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 13.8% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$8.68 billion to approximately US$16.63 billion.

This report provides a detailed data-centric analysis of the alternative lending industry in Vietnam, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including loan disbursement value, loan disbursement volume, average loan ticket size, and penetration rate.

The report offers in-depth segmentation across lending dimensions, including type of lending (Bank-based/NBFC and Alternative Lending), end-user segments (Retail Lending and SME/MSME Lending), and loan types. It further categorizes the alternative lending ecosystem by finance models (P2P Marketplace, Balance Sheet, Invoice Trading, Real Estate Crowdfunding, and Other Models), distribution channels (Branch/Physical, Direct Digital, and Agent/Broker), and payment instruments (Credit Transfer, Debit Card, E-Money, and Others).

In addition, the analysis captures borrower demographics by age, income, and gender, alongside delinquency performance indicators. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, lending behavior, and risk dynamics within the lending ecosystem.

The analyst’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.

Key Attributes:

Report Scope

This report provides a detailed data-centric analysis of the alternative lending industry in Vietnam, with comprehensive coverage across both overall lending and alternative lending markets. Below is a summary of key market segments:

Macroeconomic Overview: Vietnam Economic Indicators

• Vietnam by Gross Domestic Product (Current Prices)
• Vietnam by Population
• Vietnam Unemployment Rate

Operational Enablers and Infrastructure Readiness

• Smartphone Penetration
• Internet Connectivity & Broadband Access
• Digital Wallet Adoption Rate
• Real-Time Payments Infrastructure
• E-commerce Penetration

Vietnam Lending Market Size and Growth Dynamics

• Loan Disbursement Value
• Loan Disbursement Volume
• Average Loan Ticket Size

Vietnam Lending Market Segmentation by Lending Type

• Bank-based / NBFC Lending
• Alternative Lending

Vietnam Lending Market Segmentation by End-User

• Retail Lending
• SME / MSME Lending

Vietnam Retail Lending Market Segmentation by Loan Purpose

• Housing / Mortgage Loans
• Auto Loans
• Education Loans
• Personal Loans
• Other Retail Loan Types (e.g., BNPL, Travel, Green Loans, Payday)

Vietnam SME / MSME Lending Market Segmentation by Loan Purpose

• Working Capital Loans
• Expansion Loans
• Equipment / Machinery Loans
• Invoice Financing / Factoring
• Trade Finance (Import / Export)
• Real Estate / Commercial Property Loans
• Other SME Lending (e.g., Digital Adoption, Franchise Financing)

Vietnam Lending Market Segmentation by Distribution Channel

• Branch / Physical
• Direct Digital Lending
• Agent / Broker Channel

Vietnam Alternative Lending Market Size and Growth Dynamics

• Loan Disbursement Value
• Loan Disbursement Volume
• Average Loan Ticket Size

Vietnam Alternative Lending Market Segmentation by End-User

• Consumer Lending
• SME / MSME Lending

Vietnam Alternative Lending Market Segmentation by Finance Models

• P2P Marketplace
• Balance Sheet Lending
• Invoice Trading
• Real Estate Crowdfunding
• Other / Hybrid Models

Combined View: Finance Models by End-User Segments

• P2P Marketplace – Consumer Lending / SME Lending / Property Lending
• Balance Sheet Lending – Consumer Lending / SME Lending / Property Lending

Vietnam Alternative Lending by Loan Purpose – Consumer Lending

• Personal Loans
• Payroll Advance
• Home Improvement Loans
• Education / Student Loans
• Point-of-Sale (POS) Credit
• Auto Loans
• Medical Loans
• Other Consumer Lending Types

Vietnam Alternative Lending by Loan Purpose – SME / MSME Lending

• Lines of Credit
• Merchant Cash Advance
• Invoice Factoring
• Revenue-Based Financing
• Other SME Loan Types

Vietnam Alternative Lending Segmentation by Payment Instrument

• Credit Transfer
• Debit Card
• E-Money
• Other Instruments

Cross-Segmentation: Finance Models across Payment Instruments

• P2P Marketplace across Credit Transfer / Debit Card / E-Money / Other
• Balance Sheet Lending by Payment Instrument
• Invoice Trading by Payment Instrument
• Real Estate Crowdfunding by Payment Instrument
• Other Models by Payment Instrument

Vietnam Alternative Lending – Borrower-Level Insights: Consumer Demographics & Behavior

• Borrower Distribution by Age Group
• Borrower Distribution by Income Level
• Borrower Distribution by Gender

Vietnam Alternative Lending Credit Risk & Quality Metrics

• Delinquency Rate (30 Days / 90 Days), 2024

For more information about this report visit https://www.researchandmarkets.com/r/ti116f

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