The United States digital lending market size is assessed to grow at a CAGR of 12.30% between 2026 and 2035. The market is being driven by the rising digital transformation in the financial sector in the United States.
Base Year
Historical Period
Forecast Period
Compound Annual Growth Rate
12.3%
2026-2035
*this image is indicative*
Digital lending refers to services that are aimed at providing credit facilities and loans through online platforms and digital technologies. Such services also use technologies like data analytics to assess the creditworthiness of borrowers. Some benefits of digital lending include enhanced security, improved efficiency, and increased profitability of credit unions and banks.
The EMR’s report titled “United States Digital Lending Market Report and Forecast 2026-2035" offers a detailed analysis of the market based on the following segments:
Market Breakup by Offering
Market Breakup by Deployment Type
Market Breakup by End User
Market Breakup by Region
Cloud-based digital lending platforms account for a considerable portion of the United States digital lending market share. Such platforms can efficiently automate the approval process, minimise operational expenses, generate error-free workflow, and decrease the requirement for manual labour. Cloud lending platforms also support lenders to easily roll out new product categories and rapidly deploy innovative modules.
Besides, cloud lending platforms offer end users the flexibility to comply with evolving regulatory changes and market fluctuations. Other benefits such as faster market reach, low maintenance, automated operations, and scalability are further driving the adoption of cloud-based digital lending solutions in the United States.
As per the United States digital lending market analysis, credit unions use digital lending platforms to minimise loan processing time and automate and streamline operations. Credit unions are also investing in digital transformation to improve lending experience and enhance customer service. Besides, the emergence of fintech startups is prompting credit unions to expand their digital lending portfolio, offer omnichannel lending experience, and reduce loan cycle times.
Meanwhile, the demand for digital lending services from NBFCs is significantly increasing amid high internet and smartphone penetration, coupled with an emerging shift from conventional lenders and technological advancements by fintech institutions.
The comprehensive EMR report provides an in-depth assessment of the market based on the Porter's five forces model along with giving a SWOT analysis. The report gives a detailed analysis of the following key players in the United States digital lending market, covering their competitive landscape and latest developments like mergers, acquisitions, investments and expansion plans.
Fiserv, Inc. is a prominent technology company that offers various services to the financial sector. With its headquarters in Wisconsin, the United States, the company enables money movement for financial institutions as well as businesses. It also serves different sectors such as fintech, banks, small businesses, and credit unions, among others.
ICE Mortgage Technology, Inc., a part of Intercontinental Exchange (NYSE: ICE), is a company that is engaged in transforming, streamlining, and digitising the residential mortgage process in the United States. It has also established its position as a prominent cloud-based loan organisation platform provider for the mortgage sector.
On Deck Capital, Inc. is a part of Enova International, Inc. and is engaged in delivering small business loans in the United States. It was founded in 2006 and offers a business line of credit and a business term loan to support businesses to meet their unique funding needs and customise repayment terms. Since its establishment, the company has delivered loans of USD 15 billion to small businesses in the US.
*Please note that this is only a partial list; the complete list of key players is available in the full report. Additionally, the list of key players can be customized to better suit your needs.*
Other United States digital lending market players include Oracle Corp., VeriPark, LendingClub Corporation, Kiva Microfunds, Tavant, LendingTree, LLC, and Turnkey Lender Corporation, among others.
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*While we strive to always give you current and accurate information, the numbers depicted on the website are indicative and may differ from the actual numbers in the main report. At Expert Market Research, we aim to bring you the latest insights and trends in the market. Using our analyses and forecasts, stakeholders can understand the market dynamics, navigate challenges, and capitalize on opportunities to make data-driven strategic decisions.*
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The market is assessed to grow at a CAGR of 12.30% between 2026 and 2035.
The major market drivers are the digital transformation of the financial sector and increasing investments in technologies by banks and financial institutions.
The growing adoption of cloud-based digital lending solutions and technological advancements and innovations are the key trends supporting the market.
The major regions in the market are New England, Mideast, Great Lakes, Plains, Southeast, Southwest, Rocky Mountain, and Far West.
The various offerings of digital lending are solution and services.
The different deployment types of digital lending are cloud based and on-premises.
The significant end users of digital lending are banks, credit unions, and NBFCs, among others.
The major players in the market are Fiserv, Inc., Oracle Corp., ICE Mortgage Technology, Inc., On Deck Capital, Inc., VeriPark, LendingClub Corporation, Kiva Microfunds, Tavant, LendingTree, LLC, and Turnkey Lender Corporation, among others.
Explore our key highlights of the report and gain a concise overview of key findings, trends, and actionable insights that will empower your strategic decisions.
| REPORT FEATURES | DETAILS |
| Base Year | 2025 |
| Historical Period | 2019-2025 |
| Forecast Period | 2026-2035 |
| Scope of the Report |
Historical and Forecast Trends, Industry Drivers and Constraints, Historical and Forecast Market Analysis by Segment:
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| Breakup by Offering |
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| Breakup by Deployment Type |
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| Breakup by End User |
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| Breakup by Region |
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| Market Dynamics |
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| Competitive Landscape |
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| Companies Covered |
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