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Non-Depository Financing in Australia Industry Data and Analysis
The industry has grown on the back of increased loan volumes and elevated interest rates. A high-interest rate environment has allowed non-bank lenders to charge higher rates, boosting their revenue. Yet, it has also hiked their funding costs, hindering profitability as net interest margins plunged. The mortgage war in 2023 saw authorised deposit-taking institutions (ADIs) offer competitive rates and attractive packages like cashback. This trend intensified competition and squeezed non-bank lenders' margins in the mortgage segment. Non-bank lenders have attracted a broader consumer base by providing flexible lending terms and user-friendly platforms. They have also filled the service gap left by traditional lenders because of tight lending standards, like increased capital requirements and serviceability buffers.
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What's included in this industry analysis
IBISWorld's research coverage on the Non-Depository Financing industry in Australia includes market sizing, forecasting, data and analysis from 2015-2030. The most recent publication was released July 2025.
About this industry
What's this industry report about?
The Non-Depository Financing industry in Australia operates under the ANZSIC industry code K6230. The industry includes financiers that lend money or provide credit to retail, corporate and wholesale customers. Financiers in the industry raise funds through wholesale channels and do not incur the liabilities of deposits. Industry operators also lease plant, equipment and machinery on a financial services basis. Related terms covered in the Non-Depository Financing industry in Australia include authorised deposit-taking institution (adi), registered financial corporation (rfc) and financial technology (fintech).
What's included in this industry?
Products and services covered in Non-Depository Financing industry in Australia include Personal loans, Commercial loans and Finance leases.
What companies are included in this industry?
Companies covered in the Non-Depository Financing industry in Australia include Pepper Money, Toyota Finance Australia and Firstmac.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Non-Depository Financing industry in Australia.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Non-Depository Financing industry in Australia.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Non-Depository Financing industry in Australia.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Non-Depository Financing industry in Australia. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Non-Depository Financing industry in Australia. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Non-Depository Financing industry in Australia. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Non-Depository Financing industry in Australia. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Non-Depository Financing industry in Australia.
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Frequently Asked Questions
What is the market size of the Non-Depository Financing industry in Australia in 2026?
The market size of the Non-Depository Financing industry in Australia is $40.5bn in 2026.
How many businesses are there in the Non-Depository Financing industry in Australia in 2025?
There are 522 businesses in the Non-Depository Financing industry in Australia, which has grown at a CAGR of 1.6 % between 2020 and 2025.
How may import tariffs affect the Non-Depository Financing industry in Australia?
The Non-Depository Financing industry in Australia is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Non-Depository Financing industry in Australia?
The Non-Depository Financing industry in Australia is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Non-Depository Financing industry in Australia grown or declined over the past 5 years?
The market size of the Non-Depository Financing industry in Australia has been growing at a CAGR of 13.5 % between 2020 and 2025.
What is the forecast growth of the Non-Depository Financing industry in Australia over the next 5 years?
Over the next five years, the Non-Depository Financing industry in Australia is expected to grow.
What are the biggest companies in the Non-Depository Financing industry in Australia?
The biggest companies operating in the Non-Depository Financing industry in Australia are Pepper Money, Toyota Finance Australia and Firstmac
What does the Non-Depository Financing industry in Australia include?
Personal loans and Commercial loans are part of the Non-Depository Financing industry in Australia.
Which companies have the highest market share in the Non-Depository Financing industry in Australia?
The company holding the most market share in the Non-Depository Financing industry in Australia is Pepper Money.
How competitive is the Non-Depository Financing industry in Australia?
The level of competition is high and increasing in the Non-Depository Financing industry in Australia.
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