Data / Interest rate on new consumer loans / Euro area

Interest rate on new consumer loans in Euro area

Interest rate on new consumer loans in Euro area was 7.92% in August 2026, according to the European Central Bank. That is up 0.41 pts from August 2025.

August 20267.92% Provisional
Change on August 2025+0.41 pts
Series high8.18August 2008
Series low5.05June 2020
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Interest rate on new consumer loans in Euro area, January 2003 to August 2026

567892003-012006-062009-112013-042016-092020-022023-072026-082026-08: 7.92 %567892003-012010-122018-112026-082026-08: 7.92 %
%. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 284 values
Period%
2026-087.92 Provisional
2026-077.59
2026-067.51
2026-057.63
2026-047.6
2026-037.46
2026-027.51
2026-017.58
2025-127.16
2025-117.33
2025-107.33
2025-097.4
2025-087.51
2025-077.46
2025-067.41
2025-057.53
2025-047.54
2025-037.52
2025-027.59
2025-017.65
2024-127.41
2024-117.58
2024-107.68
2024-097.75
2024-087.82
2024-077.77
2024-067.69
2024-057.92
2024-047.86
2024-037.81
2024-027.9
2024-018.01
2023-127.69
2023-117.84
2023-107.89
2023-097.87
2023-087.9
2023-077.78
2023-067.42
2023-057.64
2023-047.48
2023-037.26
2023-027.08
2023-016.98
2022-126.42
2022-116.51
2022-106.26
2022-096
2022-085.97
2022-075.77
2022-065.56
2022-055.6
2022-045.41
2022-035.25
2022-025.26
2022-015.3
2021-125.06
2021-115.19
2021-105.25
2021-095.27
2021-085.35
2021-075.25
2021-065.16
2021-055.3
2021-045.18
2021-035.1
2021-025.23
2021-015.26
2020-125.06
2020-115.22
2020-105.25
2020-095.23
2020-085.35
2020-075.2
2020-065.05
2020-055.1
2020-045.15
2020-035.46
2020-025.57
2020-015.68
2019-125.29
2019-115.51
2019-105.58
2019-095.62
2019-085.8
2019-075.73
2019-065.64
2019-055.74
2019-045.62
2019-035.59
2019-025.66
2019-015.76
2018-125.39
2018-115.58
2018-105.64
2018-095.69
2018-085.83
2018-075.65
2018-065.51
2018-055.77
2018-045.6
2018-035.47
2018-025.59
2018-015.74
2017-125.26
2017-115.57
2017-105.6
2017-095.64
2017-085.82
2017-075.74
2017-065.62
2017-055.7
2017-045.49
2017-035.55
2017-025.65
2017-015.77
2016-125.38
2016-115.62
2016-105.61
2016-095.67
2016-085.93
2016-075.86
2016-065.75
2016-055.98
2016-045.9
2016-035.86
2016-025.97
2016-016.15
2015-125.74
2015-116.07
2015-105.93
2015-096.05
2015-086.15
2015-076.06
2015-065.98
2015-056.12
2015-045.96
2015-036.03
2015-026.29
2015-016.24
2014-126
2014-116.49
2014-106.41
2014-096.45
2014-086.53
2014-076.56
2014-066.59
2014-056.73
2014-046.56
2014-036.64
2014-026.74
2014-016.77
2013-126.54
2013-116.7
2013-106.68
2013-096.71
2013-086.75
2013-076.76
2013-066.72
2013-056.8
2013-046.7
2013-036.73
2013-026.8
2013-016.81
2012-126.46
2012-116.66
2012-106.74
2012-096.78
2012-086.91
2012-076.95
2012-066.78
2012-057.01
2012-046.93
2012-037
2012-027.23
2012-017.22
2011-126.72
2011-116.97
2011-107.27
2011-097.26
2011-087.19
2011-077.07
2011-067.01
2011-057.11
2011-046.92
2011-037.02
2011-026.94
2011-016.81
2010-126.38
2010-116.7
2010-106.73
2010-096.87
2010-086.93
2010-076.85
2010-066.7
2010-056.77
2010-046.82
2010-036.71
2010-026.88
2010-016.96
2009-126.62
2009-116.93
2009-107.11
2009-097.25
2009-087.38
2009-077.27
2009-067.09
2009-057.34
2009-047.27
2009-037.31
2009-027.6
2009-017.88
2008-127.77
2008-118.15
2008-108.14
2008-098.12
2008-088.18
2008-078.08
2008-067.88
2008-057.95
2008-047.84
2008-037.88
2008-027.99
2008-017.78
2007-127.64
2007-117.78
2007-107.7
2007-097.73
2007-087.74
2007-077.57
2007-067.51
2007-057.56
2007-047.42
2007-037.4
2007-027.47
2007-017.44
2006-126.93
2006-117.03
2006-106.92
2006-097.1
2006-087.23
2006-077.01
2006-066.89
2006-056.87
2006-046.91
2006-036.82
2006-026.89
2006-017
2005-126.7
2005-116.84
2005-106.92
2005-096.96
2005-087.16
2005-077
2005-066.93
2005-057.06
2005-047.05
2005-037.07
2005-026.98
2005-017.23
2004-126.91
2004-117.18
2004-107.15
2004-097.26
2004-087.36
2004-077.26
2004-067.15
2004-057.13
2004-047.13
2004-037.28
2004-027.32
2004-017.48
2003-126.94
2003-117.1
2003-107.13
2003-097.16
2003-087.28
2003-077.24
2003-067.25
2003-057.43
2003-047.43
2003-037.37
2003-027.43
2003-017.37

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.

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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, Euro area, 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, Euro area, 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/euro-area. 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, Euro area, 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/euro-area.

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, Euro area, 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/euro-area (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, Euro area, 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/euro-area. 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, Euro area, 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/euro-area
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/consumer-credit-rate/euro-area.
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 Euro area?

Interest rate on new consumer loans in Euro area was 7.92% in August 2026, according to the European Central Bank. That is up 0.41 pts from August 2025.

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 Euro area?

8.18% in August 2008, the highest value since January 2003 in this series.

Related statistics for Euro area

All statistics for Euro area