In turn, the largest category of car loan borrowers remains citizens aged 30 to 40 years - 35.7%, and the smallest category is borrowers under 30 years old (15.3%).
The average personal credit rating (PCR) of a borrower for car loans is 685 points, the organization added.
“More and more car loans have recently been issued by banks online. This technologically advanced and convenient method of lending seems attractive primarily to younger borrowers. They are also active participants in government programs for preferential car loans, the conditions of which are significantly more attractive than market ones,” explained NBKI Marketing Director Alexey Volkov.
In turn, according to him, older borrowers are more conservative, not only in terms of their preference for traditional offline lending, but also in their passion for certain brands of foreign cars, the new models of which have not recently entered the Russian car market due to sanctions.
“At the same time, car loans are currently provided primarily to borrowers of “good credit quality”, whose personal credit rating is at a fairly high level,” concluded RT’s interlocutor.
Experts previously interviewed by RT explained what has changed for Russian borrowers in 2024 and whether the issuance of loans will become more transparent.