Installment Loan Issuance for Online Purchases at Retailers and Marketplaces Doubled in 2025, Reaching 500 Billion Rubles
Russia's online installment plans double to 500 billion rubles in 2025
The volume of installment plans issued for online purchases in stores and on marketplaces surged to 500 billion rubles in 2025—twice the figure recorded in 2024—Elizaveta Danilova, director of the Financial Stability Department at the Bank of Russia, told Expert magazine in an interview.
"Based on data we requested from four major banks and two marketplaces, the growth compared to 2024 is nearly twofold. The total volume of installment issuance has reached 500 billion rubles," she said in response to a question about how frequently consumers have begun using installment plans for online purchases.
The Central Bank representative emphasized that, like loans, installment payments must be repaid. In her view, such financing "must be transparent."
Danilova noted that installment providers have already begun reporting debts exceeding 50,000 rubles to credit bureaus. Starting in March 2027, the regulator plans to require banks to factor this data into their calculations of borrowers' debt burdens.
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