Russians issued a two-year record number of retail loans in August 2026

In August 2026, Russians issued a record number of retail loans over the past two years - 4.36 million, which is 23% more than in annual terms.

The volume of retail lending increased by 6% and reached 1.26 trillion rubles, and in annual terms the increase was 12%.

In the structure of retail lending, the segment of cash loans is in first place, mortgage loans are in second place, the share of car loans has also increased, while the share of credit cards has remained unchanged.

MOSCOW, September 30 - RIA Novosti. In August, Russians issued a record number of retail loans over the past two years - 4.36 million, with an annual growth rate of 23%, the United Credit Bureau (UCB) told RIA Novosti.

“In August 2026, Russians issued a record number of retail loans over the past two years - 4.36 million. Over the month, the number of issuances increased by 7%: in July, 4.07 million loans were issued. In annual terms, the increase in issuances was 23%: in August 2025, 3.53 million loans were issued,” the report says.

It notes that the volume of retail lending increased by 6%, to 1.26 trillion rubles compared to 1.2 trillion rubles in July. In annual terms, the increase in lending volume was 12%: in August 2025, banks issued loans worth 1.13 trillion rubles.

At the same time, in the structure of retail lending, the segment of cash loans is in first place; its share dropped to 38.9% over the month from 40.8% in July. In second place are mortgage loans: their share increased over the month to 31.5% from 30.4%. The share of car loans increased to 14.5% from 13.8%, OKB specified.

“The share of credit cards remained unchanged at 13.7%. The smallest segment, POS loans, grew to 1.4% from 1.3% a month earlier. In August 2025, the structure of issuances was as follows: mortgages - 35.1%, cash loans - 32.7%, credit cards and car loans - 15.4% each, POS loans - 1.4%,” it added.

In just eight months of 2026, Russians issued 30.12 million retail loans totaling 8.90 trillion rubles. The average monthly volume of issues amounted to 1.11 trillion rubles. Compared to the same period in 2025, the number of issues increased by 28%, the volume by 36%.

OKB also provides regional data, according to which the top 5 regions in terms of issuance volumes in all lending segments included: Moscow, where 309.03 thousand loans worth 139.68 billion rubles were issued, Moscow region - 259.91 thousand loans worth 100.04 billion rubles, St. Petersburg - 159.72 thousand loans worth 65.95 billion rubles, Krasnodar Territory - 180.58 thousand loans worth 43.80 billion rubles and Sverdlovsk Region - 144.64 thousand loans worth 41.84 billion rubles.

It is noted that over the eight months of 2026, residents of the Chukotka, Nenets and Yamalo-Nenets Autonomous Okrugs, the Sakhalin Region, as well as the Altai Republic and Kamchatka Territory showed the highest lending activity: since the beginning of the year, more than 30 new loans have been issued in these regions for every 100 people.