Article

Consumer Finance
December 03 , 2012

Consumer finance is the generic name for financing offered to retail consumers. This could include debt financing through credit cards and loans. Although retail banks also engage in consumer finance, NBFCs like Bajaj Finserv, Shriram Capital, M&M Financial Services are more popular on this front since they have been proactively showcasing themselves as consumer finance companies. NBFCs have less stringent prudential norms and hence can lend to customers with fewer conditions than banks usually do.

In the US the term consumer finance broadly refers to sub-prime lending or lending to customers with low credit rating. This is mostly done by NBFCs.

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