Residents of Bashkortostan took out nearly 68,000 in-store loans over year

This form of lending allows customers to receive goods immediately and pay for them later.

In 2025, residents of Bashkortostan obtained 67.8 thousand point-of-sale (POS) loans, with an average purchase amount of approximately 60.5 thousand rubles.

The total volume of these loans amounted to 4.11 billion rubles, with an average loan term of 14 months.

The full cost of credit (APR) decreased in the second half of the year from 28.78% in July to 25.40% in December.

POS loans traditionally account for the smallest share of the overall consumer lending market—approximately 1%. However, analysts use this segment to assess consumer credit and purchasing activity, as well as people's willingness to take small but relatively expensive loans to buy desired goods.