Data / Interest rate on new consumer loans / Estonia

Interest rate on new consumer loans in Estonia

Interest rate on new consumer loans in Estonia was 12.59% in August 2026, according to the European Central Bank. That is down 1.21 pts from August 2025. That is the 1st highest of 20 EU countries in August 2026.

August 202612.59%
Change on August 2025-1.21 pts
Rank1st of 20EU countries ranked
Series high23.89December 2009
Series low4.87October 2005
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Interest rate on new consumer loans in Estonia, January 2003 to August 2026

05101520252003-012007-072010-112014-022017-052020-082023-112026-082003-01: 9.83 %2003-02: 9.33 %2003-03: 9.16 %2003-04: 9.52 %2003-05: 8.72 %2003-06: 8.67 %2003-07: 9.17 %2003-08: 9.41 %2003-09: 8.01 %2003-10: 10.67 %2003-11: 10.73 %2003-12: 9.73 %2004-01: 9.32 %2004-02: 9.74 %2004-03: 10.33 %2004-04: 9.31 %2004-05: 8.89 %2004-06: 9.22 %2004-07: 8.45 %2004-08: 8.83 %2004-09: 7.74 %2004-10: 7.21 %2004-11: 8.77 %2004-12: 8.17 %2005-01: 7.22 %2005-02: 6.68 %2005-03: 6.3 %2005-04: 5.77 %2005-05: 5.5 %2005-08: 5.35 %2005-10: 4.87 %2006-11: 6.04 %2006-12: 6.28 %2007-01: 6.21 %2007-02: 6.33 %2007-03: 6.47 %2007-04: 6.53 %2007-05: 6.5 %2007-06: 6.66 %2007-07: 6.86 %2007-08: 7.15 %2007-10: 7.32 %2007-11: 7.15 %2007-12: 7.32 %2008-01: 7.08 %2008-02: 6.92 %2008-03: 7.12 %2008-04: 7.1 %2008-05: 7.18 %2008-06: 7.34 %2008-07: 7.7 %2008-08: 7.74 %2008-09: 7.79 %2008-10: 8.25 %2008-11: 7.54 %2008-12: 7.67 %2009-01: 7.3 %2009-02: 7.03 %2009-03: 6.94 %2009-04: 7.12 %2009-05: 7.35 %2009-06: 7.03 %2009-07: 11.44 %2009-08: 9.77 %2009-09: 7 %2009-10: 6.5 %2009-11: 6.6 %2009-12: 23.89 %2010-01: 14.59 %2010-02: 15.09 %2010-03: 14.6 %2010-04: 13.55 %2010-05: 11.31 %2010-06: 14.43 %2010-07: 14.64 %2010-08: 13.9 %2010-09: 7.88 %2010-10: 17.43 %2010-11: 14.09 %2010-12: 17.86 %2011-01: 16.19 %2011-02: 17.98 %2011-03: 18.06 %2011-04: 17.71 %2011-05: 17.14 %2011-06: 17.32 %2011-07: 18.07 %2011-08: 19.4 %2011-09: 18.08 %2011-10: 17.21 %2011-11: 17.23 %2011-12: 20.84 %2012-01: 19.83 %2012-02: 18.28 %2012-03: 18.9 %2012-04: 18 %2012-05: 17.58 %2012-06: 19.99 %2012-07: 21.06 %2012-08: 22.54 %2012-09: 14.01 %2012-10: 13.22 %2012-11: 18.14 %2012-12: 19.23 %2013-01: 19.71 %2013-02: 16.47 %2013-03: 19.74 %2013-04: 18.45 %2013-05: 17.84 %2013-06: 18.29 %2013-07: 17.34 %2013-08: 17.12 %2013-09: 16.05 %2013-10: 16.54 %2013-11: 15.91 %2013-12: 16.58 %2014-01: 17.05 %2014-02: 16.54 %2014-03: 16.15 %2014-04: 16.13 %2014-05: 16.59 %2014-06: 15.63 %2014-07: 16.64 %2014-08: 16.42 %2014-09: 16.47 %2014-10: 16.13 %2014-11: 15.38 %2014-12: 15.85 %2015-01: 16.12 %2015-02: 15.45 %2015-03: 15.45 %2015-04: 16.08 %2015-05: 16.37 %2015-06: 15.95 %2015-07: 14.9 %2015-08: 14.62 %2015-09: 14.48 %2015-10: 14.53 %2015-11: 13.98 %2015-12: 14.24 %2016-01: 14.64 %2016-02: 13.8 %2016-03: 14.36 %2016-04: 14.11 %2016-05: 14.83 %2016-06: 14.29 %2016-07: 14.7 %2016-08: 14.5 %2016-09: 14.94 %2016-10: 14.43 %2016-11: 14.63 %2016-12: 13.45 %2017-01: 14.11 %2017-02: 14.86 %2017-03: 14.76 %2017-04: 14.28 %2017-05: 14.33 %2017-06: 14.29 %2017-07: 14.03 %2017-08: 14.48 %2017-09: 14.85 %2017-10: 15.33 %2017-11: 15.05 %2017-12: 15.44 %2018-01: 15.32 %2018-02: 15.84 %2018-03: 15.78 %2018-04: 15.79 %2018-05: 15.27 %2018-06: 15.96 %2018-07: 15.53 %2018-08: 15.61 %2018-09: 14.93 %2018-10: 15.38 %2018-11: 15.56 %2018-12: 14.5 %2019-01: 15.13 %2019-02: 15.08 %2019-03: 14.91 %2019-04: 16.14 %2019-05: 16.12 %2019-06: 15.94 %2019-07: 16.25 %2019-08: 15.85 %2019-09: 15.38 %2019-10: 16.13 %2019-11: 16.03 %2019-12: 16.09 %2020-01: 15.59 %2020-02: 15.36 %2020-03: 15.64 %2020-04: 15.56 %2020-05: 16.06 %2020-06: 15.99 %2020-07: 15.44 %2020-08: 14.98 %2020-09: 14.24 %2020-10: 14.29 %2020-11: 14.17 %2020-12: 14.39 %2021-01: 13.81 %2021-02: 13.03 %2021-03: 13.07 %2021-04: 13.05 %2021-05: 12.79 %2021-06: 12.48 %2021-07: 13.4 %2021-08: 12.99 %2021-09: 12.37 %2021-10: 12.25 %2021-11: 12.28 %2021-12: 12.64 %2022-01: 12.63 %2022-02: 12.12 %2022-03: 12.22 %2022-04: 12.59 %2022-05: 11.86 %2022-06: 12.66 %2022-07: 14.35 %2022-08: 13.67 %2022-09: 13.73 %2022-10: 13.74 %2022-11: 13.72 %2022-12: 13.95 %2023-01: 13.17 %2023-02: 12.78 %2023-03: 12.74 %2023-04: 13.16 %2023-05: 13.45 %2023-06: 14.59 %2023-07: 15.13 %2023-08: 14.93 %2023-09: 14.9 %2023-10: 16.06 %2023-11: 15.1 %2023-12: 15.21 %2024-01: 14.87 %2024-02: 14.55 %2024-03: 13.89 %2024-04: 15.09 %2024-05: 13.75 %2024-06: 13.95 %2024-07: 14.41 %2024-08: 14.07 %2024-09: 13.58 %2024-10: 13.32 %2024-11: 12.72 %2024-12: 13.28 %2025-01: 14.04 %2025-02: 14.61 %2025-03: 13.85 %2025-04: 13.97 %2025-05: 13.9 %2025-06: 14.06 %2025-07: 14.05 %2025-08: 13.8 %2025-09: 13.84 %2025-10: 13.6 %2025-11: 13.25 %2025-12: 13.28 %2026-01: 14.08 %2026-02: 13.55 %2026-03: 13.12 %2026-04: 12.95 %2026-05: 12.91 %2026-06: 12.89 %2026-07: 12.61 %2026-08: 12.59 %
%. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 268 values
Period%
2026-0812.59
2026-0712.61
2026-0612.89
2026-0512.91
2026-0412.95
2026-0313.12
2026-0213.55
2026-0114.08
2025-1213.28
2025-1113.25
2025-1013.6
2025-0913.84
2025-0813.8
2025-0714.05
2025-0614.06
2025-0513.9
2025-0413.97
2025-0313.85
2025-0214.61
2025-0114.04
2024-1213.28
2024-1112.72
2024-1013.32
2024-0913.58
2024-0814.07
2024-0714.41
2024-0613.95
2024-0513.75
2024-0415.09
2024-0313.89
2024-0214.55
2024-0114.87
2023-1215.21
2023-1115.1
2023-1016.06
2023-0914.9
2023-0814.93
2023-0715.13
2023-0614.59
2023-0513.45
2023-0413.16
2023-0312.74
2023-0212.78
2023-0113.17
2022-1213.95
2022-1113.72
2022-1013.74
2022-0913.73
2022-0813.67
2022-0714.35
2022-0612.66
2022-0511.86
2022-0412.59
2022-0312.22
2022-0212.12
2022-0112.63
2021-1212.64
2021-1112.28
2021-1012.25
2021-0912.37
2021-0812.99
2021-0713.4
2021-0612.48
2021-0512.79
2021-0413.05
2021-0313.07
2021-0213.03
2021-0113.81
2020-1214.39
2020-1114.17
2020-1014.29
2020-0914.24
2020-0814.98
2020-0715.44
2020-0615.99
2020-0516.06
2020-0415.56
2020-0315.64
2020-0215.36
2020-0115.59
2019-1216.09
2019-1116.03
2019-1016.13
2019-0915.38
2019-0815.85
2019-0716.25
2019-0615.94
2019-0516.12
2019-0416.14
2019-0314.91
2019-0215.08
2019-0115.13
2018-1214.5
2018-1115.56
2018-1015.38
2018-0914.93
2018-0815.61
2018-0715.53
2018-0615.96
2018-0515.27
2018-0415.79
2018-0315.78
2018-0215.84
2018-0115.32
2017-1215.44
2017-1115.05
2017-1015.33
2017-0914.85
2017-0814.48
2017-0714.03
2017-0614.29
2017-0514.33
2017-0414.28
2017-0314.76
2017-0214.86
2017-0114.11
2016-1213.45
2016-1114.63
2016-1014.43
2016-0914.94
2016-0814.5
2016-0714.7
2016-0614.29
2016-0514.83
2016-0414.11
2016-0314.36
2016-0213.8
2016-0114.64
2015-1214.24
2015-1113.98
2015-1014.53
2015-0914.48
2015-0814.62
2015-0714.9
2015-0615.95
2015-0516.37
2015-0416.08
2015-0315.45
2015-0215.45
2015-0116.12
2014-1215.85
2014-1115.38
2014-1016.13
2014-0916.47
2014-0816.42
2014-0716.64
2014-0615.63
2014-0516.59
2014-0416.13
2014-0316.15
2014-0216.54
2014-0117.05
2013-1216.58
2013-1115.91
2013-1016.54
2013-0916.05
2013-0817.12
2013-0717.34
2013-0618.29
2013-0517.84
2013-0418.45
2013-0319.74
2013-0216.47
2013-0119.71
2012-1219.23
2012-1118.14
2012-1013.22
2012-0914.01
2012-0822.54
2012-0721.06
2012-0619.99
2012-0517.58
2012-0418
2012-0318.9
2012-0218.28
2012-0119.83
2011-1220.84
2011-1117.23
2011-1017.21
2011-0918.08
2011-0819.4
2011-0718.07
2011-0617.32
2011-0517.14
2011-0417.71
2011-0318.06
2011-0217.98
2011-0116.19
2010-1217.86
2010-1114.09
2010-1017.43
2010-097.88
2010-0813.9
2010-0714.64
2010-0614.43
2010-0511.31
2010-0413.55
2010-0314.6
2010-0215.09
2010-0114.59
2009-1223.89
2009-116.6
2009-106.5
2009-097
2009-089.77
2009-0711.44
2009-067.03
2009-057.35
2009-047.12
2009-036.94
2009-027.03
2009-017.3
2008-127.67
2008-117.54
2008-108.25
2008-097.79
2008-087.74
2008-077.7
2008-067.34
2008-057.18
2008-047.1
2008-037.12
2008-026.92
2008-017.08
2007-127.32
2007-117.15
2007-107.32
2007-087.15
2007-076.86
2007-066.66
2007-056.5
2007-046.53
2007-036.47
2007-026.33
2007-016.21
2006-126.28
2006-116.04
2005-104.87
2005-085.35
2005-055.5
2005-045.77
2005-036.3
2005-026.68
2005-017.22
2004-128.17 Estimated
2004-118.77 Estimated
2004-107.21 Estimated
2004-097.74 Estimated
2004-088.83 Estimated
2004-078.45 Estimated
2004-069.22 Estimated
2004-058.89 Estimated
2004-049.31 Estimated
2004-0310.33 Estimated
2004-029.74 Estimated
2004-019.32 Estimated
2003-129.73 Estimated
2003-1110.73 Estimated
2003-1010.67 Estimated
2003-098.01 Estimated
2003-089.41 Estimated
2003-079.17 Estimated
2003-068.67 Estimated
2003-058.72 Estimated
2003-049.52 Estimated
2003-039.16 Estimated
2003-029.33 Estimated
2003-019.83 Estimated

Rankings

Definition

Monthly average interest rate on new bank loans to households and non-profit institutions serving households for consumption, in percent per year. It excludes revolving loans, overdrafts and credit-card debt.

Annualised agreed rates or narrowly defined effective rates (AAR/NDER) exclude fees and other charges. New agreements are weighted by their size within the month. This is not the moving-average composite used for housing and business borrowing. The euro area aggregate has changing membership. Coverage varies by country; the Netherlands has no observations from 2003 in this series. Values may be revised.

How to cite

European Central Bank. ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

European Central Bank. (n.d.). ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N) (Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08) [Data set]. Retrieved October 12, 2026, from https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01

MLA 9

ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N), Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08. European Central Bank, https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Invokely, https://invokely.ai/en/consumer-credit-rate/estonia. Accessed 12 Oct. 2026.

Chicago (author-date)

European Central Bank. n.d. ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08. Dataset. Accessed October 12, 2026. https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Also distributed by Invokely, https://invokely.ai/en/consumer-credit-rate/estonia.

Harvard

European Central Bank (no date) ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N), Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08 [Dataset]. Available at: https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01, via Invokely: https://invokely.ai/en/consumer-credit-rate/estonia (Accessed: 12 October 2026).

BibTeX
@misc{european_interest_rate_on_new_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N): Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08}},
  howpublished = {Data set},
  url = {https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/consumer-credit-rate/estonia. Publisher attribution: European Central Bank. ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata\&startPeriod=2003-01. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - European Central Bank
TI  - ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N): Interest rate on new consumer loans, Estonia, 2003-01 to 2026-08
PB  - European Central Bank
DB  - Invokely
UR  - https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01
L2  - https://invokely.ai/en/consumer-credit-rate/estonia
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/consumer-credit-rate/estonia.
N1  - Publisher attribution: European Central Bank. ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). https://data-api.ecb.europa.eu/service/data/MIR/M.AT+BE+BG+CY+DE+EE+ES+FI+FR+GR+HR+IE+IT+LT+LU+LV+MT+NL+PT+SI+SK+U2.B.A2B.A.R.A.2250.EUR.N?format=csvdata&startPeriod=2003-01. Retrieved 2026-10-12.
ER  -
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Questions

What is the interest rate on new consumer loans in Estonia?

Interest rate on new consumer loans in Estonia was 12.59% in August 2026, according to the European Central Bank. That is down 1.21 pts from August 2025. That is the 1st highest of 20 EU countries in August 2026.

Where does this figure come from?

European Central Bank. ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved by Invokely on 2026-10-12.

What was the highest interest rate on new consumer loans in Estonia?

23.89% in December 2009, the highest value since January 2003 in this series.

Interest rate on new consumer loans elsewhere in European Union (27)

Related statistics for Estonia

All statistics for Estonia | Estonia in figures