The average term of car loans in Russia increased by 10.1%, reaching 5.8 years. This was reported by the press service of the National Bureau of Credit Histories (NBKI), publishing in January 2026 data for November 2025.
Compared with October 2025, the term of car loans increased by 1.9% — from 5.7 years to the current 5.8 years. Growth has been observed for seven consecutive months, which confirms the stabilization of the market situation.
Among the 30 Russian regions with the largest volume of retail lending, Krasnodar Krai and Stavropol Krai hold leading positions in terms of car loan issuance periods — 6.41 years and 6.28 years respectively. They are also joined by Volgograd Oblast (6.19 years), Tyumen Oblast (6.18 years) and Novosibirsk Oblast (6.16 years). The shortest terms are observed in Moscow (5.26 years) and St. Petersburg (5.34 years).
The largest increase compared with November 2024 was recorded in Moscow (+15.1%), Samara Oblast (+14%) and St. Petersburg (+13.9%).
Read more materials on the topic:
- Demand for car loans declined in Russia
- Russians began to receive refusals for car purchase loans more often
- In October 2025, Russians were issued 213.5 billion rubles in car loans
