Data / Interest rate on new consumer loans / Finland

Interest rate on new consumer loans in Finland

Interest rate on new consumer loans in Finland was 5.84% in August 2026, according to the European Central Bank. That is up 0.23 pts from August 2025. That is the 17th highest of 20 EU countries in August 2026.

August 20265.84%
Change on August 2025+0.23 pts
Rank17th of 20EU countries ranked
Series high8.08September 2023
Series low3.09April 2010
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Interest rate on new consumer loans in Finland, January 2003 to August 2026

34567892003-012006-062009-112013-042016-092020-032023-082026-082003-01: 5.64 %2003-02: 5.46 %2003-03: 5.29 %2003-04: 5.27 %2003-05: 5.03 %2003-06: 4.83 %2003-07: 5 %2003-08: 5.15 %2003-09: 5 %2003-10: 5.02 %2003-11: 5.2 %2003-12: 5.14 %2004-01: 5.06 %2004-02: 5.14 %2004-03: 4.91 %2004-04: 4.9 %2004-05: 4.94 %2004-06: 4.82 %2004-07: 5.05 %2004-08: 4.93 %2004-09: 4.93 %2004-10: 4.87 %2004-11: 4.79 %2004-12: 4.89 %2005-01: 4.73 %2005-02: 4.53 %2005-03: 4.38 %2005-04: 4.23 %2005-05: 4.08 %2005-06: 4.02 %2005-07: 4.04 %2005-08: 4.06 %2005-09: 3.99 %2005-10: 3.81 %2005-11: 4.06 %2005-12: 4.08 %2006-01: 4.11 %2006-02: 4.15 %2006-03: 4.24 %2006-04: 4.33 %2006-05: 4.4 %2006-06: 4.51 %2006-07: 4.72 %2006-08: 4.77 %2006-09: 4.8 %2006-10: 4.93 %2006-11: 4.93 %2006-12: 4.96 %2007-01: 5.08 %2007-02: 5.3 %2007-03: 5.33 %2007-04: 5.35 %2007-05: 5.55 %2007-06: 5.68 %2007-07: 5.78 %2007-08: 5.88 %2007-09: 5.94 %2007-10: 5.8 %2007-11: 5.83 %2007-12: 5.88 %2008-01: 5.73 %2008-02: 5.72 %2008-03: 5.62 %2008-04: 5.68 %2008-05: 5.75 %2008-06: 5.86 %2008-07: 6.25 %2008-08: 6.2 %2008-09: 6.18 %2008-10: 6.27 %2008-11: 5.78 %2008-12: 4.97 %2009-01: 4.24 %2009-02: 3.98 %2009-03: 3.73 %2009-04: 3.76 %2009-05: 3.79 %2009-06: 3.8 %2009-07: 3.74 %2009-08: 3.63 %2009-09: 3.41 %2009-10: 3.41 %2009-11: 3.31 %2009-12: 3.24 %2010-01: 3.29 %2010-02: 3.25 %2010-03: 3.19 %2010-04: 3.09 %2010-05: 3.13 %2010-06: 3.42 %2010-07: 3.43 %2010-08: 3.48 %2010-09: 3.48 %2010-10: 3.69 %2010-11: 3.57 %2010-12: 3.49 %2011-01: 3.59 %2011-02: 3.74 %2011-03: 3.79 %2011-04: 3.89 %2011-05: 3.92 %2011-06: 3.95 %2011-07: 4.24 %2011-08: 4.01 %2011-09: 4.04 %2011-10: 4.06 %2011-11: 4.11 %2011-12: 4 %2012-01: 4.02 %2012-02: 4.29 %2012-03: 3.96 %2012-04: 3.99 %2012-05: 4.02 %2012-06: 4.08 %2012-07: 4.01 %2012-08: 3.88 %2012-09: 4.14 %2012-10: 3.9 %2012-11: 3.97 %2012-12: 3.99 %2013-01: 3.93 %2013-02: 4.22 %2013-03: 4.33 %2013-04: 4.16 %2013-05: 4.17 %2013-06: 4.47 %2013-07: 4.47 %2013-08: 4.54 %2013-09: 4.29 %2013-10: 4.34 %2013-11: 4.46 %2013-12: 4.34 %2014-01: 4.03 %2014-02: 4.04 %2014-03: 4.19 %2014-04: 4.2 %2014-05: 4.09 %2014-06: 4.05 %2014-07: 4.27 %2014-08: 4.15 %2014-09: 3.93 %2014-10: 3.93 %2014-11: 4.22 %2014-12: 3.98 %2015-01: 4.17 %2015-02: 3.98 %2015-03: 4.16 %2015-04: 3.99 %2015-05: 3.92 %2015-06: 4.17 %2015-07: 4.42 %2015-08: 4.51 %2015-09: 4.46 %2015-10: 4.54 %2015-11: 4.56 %2015-12: 4.26 %2016-01: 4.47 %2016-02: 4.22 %2016-03: 4.51 %2016-04: 4.35 %2016-05: 4.42 %2016-06: 4.33 %2016-07: 4.59 %2016-08: 4.47 %2016-09: 4.4 %2016-10: 4.31 %2016-11: 4.32 %2016-12: 4.16 %2017-01: 4.29 %2017-02: 4.52 %2017-03: 4.35 %2017-04: 4.59 %2017-05: 4.38 %2017-06: 4.22 %2017-07: 4.63 %2017-08: 4.5 %2017-09: 4.3 %2017-10: 4.39 %2017-11: 4.32 %2017-12: 4.34 %2018-02: 4.34 %2018-03: 4.57 %2018-04: 4.37 %2018-05: 4.51 %2018-06: 4.5 %2018-07: 4.6 %2018-08: 4.58 %2018-09: 4.69 %2018-10: 4.54 %2018-11: 4.66 %2018-12: 5.04 %2019-01: 4.86 %2019-02: 4.81 %2019-03: 5 %2019-04: 4.94 %2019-05: 4.78 %2019-06: 4.94 %2019-07: 5.13 %2019-08: 5.12 %2019-09: 5.37 %2019-10: 5.4 %2019-11: 5.52 %2019-12: 5.14 %2020-01: 5.09 %2020-02: 5.11 %2020-03: 4.75 %2020-04: 4.27 %2020-05: 4.9 %2020-06: 4.98 %2020-07: 4.72 %2020-08: 4.77 %2020-09: 4.55 %2020-10: 4.55 %2020-11: 4.76 %2020-12: 4.6 %2021-01: 4.61 %2021-02: 4.71 %2021-03: 4.46 %2021-04: 4.71 %2021-05: 4.65 %2021-06: 4.53 %2021-07: 4.67 %2021-08: 4.89 %2021-09: 4.9 %2021-10: 5.47 %2021-11: 5.11 %2021-12: 5.05 %2022-01: 4.98 %2022-02: 4.92 %2022-03: 5.1 %2022-04: 5.62 %2022-05: 5.65 %2022-06: 5.73 %2022-07: 6.02 %2022-08: 6.17 %2022-09: 6.46 %2022-10: 6.89 %2022-11: 7.19 %2022-12: 7.17 %2023-01: 7.42 %2023-02: 7.33 %2023-03: 7.73 %2023-04: 7.89 %2023-05: 7.96 %2023-06: 7.89 %2023-07: 8.03 %2023-08: 7.88 %2023-09: 8.08 %2023-10: 7.57 %2023-11: 7.58 %2023-12: 7.4 %2024-01: 7.57 %2024-02: 7.33 %2024-03: 7.39 %2024-04: 7.32 %2024-05: 7.19 %2024-06: 7.1 %2024-07: 6.87 %2024-08: 6.91 %2024-09: 6.65 %2024-10: 6.2 %2024-11: 6.17 %2024-12: 5.9 %2025-01: 5.88 %2025-02: 5.72 %2025-03: 5.64 %2025-04: 5.52 %2025-05: 5.72 %2025-06: 5.54 %2025-07: 5.42 %2025-08: 5.61 %2025-09: 5.46 %2025-10: 5.39 %2025-11: 5.46 %2025-12: 5.38 %2026-01: 5.23 %2026-02: 5.45 %2026-03: 5.34 %2026-04: 5.4 %2026-05: 5.72 %2026-06: 5.61 %2026-07: 5.59 %2026-08: 5.84 %
%. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.
All 283 values
Period%
2026-085.84
2026-075.59
2026-065.61
2026-055.72
2026-045.4
2026-035.34
2026-025.45
2026-015.23
2025-125.38
2025-115.46
2025-105.39
2025-095.46
2025-085.61
2025-075.42
2025-065.54
2025-055.72
2025-045.52
2025-035.64
2025-025.72
2025-015.88
2024-125.9
2024-116.17
2024-106.2
2024-096.65
2024-086.91
2024-076.87
2024-067.1
2024-057.19
2024-047.32
2024-037.39
2024-027.33
2024-017.57
2023-127.4
2023-117.58
2023-107.57
2023-098.08
2023-087.88
2023-078.03
2023-067.89
2023-057.96
2023-047.89
2023-037.73
2023-027.33
2023-017.42
2022-127.17
2022-117.19
2022-106.89
2022-096.46
2022-086.17
2022-076.02
2022-065.73
2022-055.65
2022-045.62
2022-035.1
2022-024.92
2022-014.98
2021-125.05
2021-115.11
2021-105.47
2021-094.9
2021-084.89
2021-074.67
2021-064.53
2021-054.65
2021-044.71
2021-034.46
2021-024.71
2021-014.61
2020-124.6
2020-114.76
2020-104.55
2020-094.55
2020-084.77
2020-074.72
2020-064.98
2020-054.9
2020-044.27
2020-034.75
2020-025.11
2020-015.09
2019-125.14
2019-115.52
2019-105.4
2019-095.37
2019-085.12
2019-075.13
2019-064.94
2019-054.78
2019-044.94
2019-035
2019-024.81
2019-014.86
2018-125.04
2018-114.66
2018-104.54
2018-094.69
2018-084.58
2018-074.6
2018-064.5
2018-054.51
2018-044.37
2018-034.57
2018-024.34
2017-124.34
2017-114.32
2017-104.39
2017-094.3
2017-084.5
2017-074.63
2017-064.22
2017-054.38
2017-044.59
2017-034.35
2017-024.52
2017-014.29
2016-124.16
2016-114.32
2016-104.31
2016-094.4
2016-084.47
2016-074.59
2016-064.33
2016-054.42
2016-044.35
2016-034.51
2016-024.22
2016-014.47
2015-124.26
2015-114.56
2015-104.54
2015-094.46
2015-084.51
2015-074.42
2015-064.17
2015-053.92
2015-043.99
2015-034.16
2015-023.98
2015-014.17
2014-123.98
2014-114.22
2014-103.93
2014-093.93
2014-084.15
2014-074.27
2014-064.05
2014-054.09
2014-044.2
2014-034.19
2014-024.04
2014-014.03
2013-124.34
2013-114.46
2013-104.34
2013-094.29
2013-084.54
2013-074.47
2013-064.47
2013-054.17
2013-044.16
2013-034.33
2013-024.22
2013-013.93
2012-123.99
2012-113.97
2012-103.9
2012-094.14
2012-083.88
2012-074.01
2012-064.08
2012-054.02
2012-043.99
2012-033.96
2012-024.29
2012-014.02
2011-124
2011-114.11
2011-104.06
2011-094.04
2011-084.01
2011-074.24
2011-063.95
2011-053.92
2011-043.89
2011-033.79
2011-023.74
2011-013.59
2010-123.49
2010-113.57
2010-103.69
2010-093.48
2010-083.48
2010-073.43
2010-063.42
2010-053.13
2010-043.09
2010-033.19
2010-023.25
2010-013.29
2009-123.24
2009-113.31
2009-103.41
2009-093.41
2009-083.63
2009-073.74
2009-063.8
2009-053.79
2009-043.76
2009-033.73
2009-023.98
2009-014.24
2008-124.97
2008-115.78
2008-106.27
2008-096.18
2008-086.2
2008-076.25
2008-065.86
2008-055.75
2008-045.68
2008-035.62
2008-025.72
2008-015.73
2007-125.88
2007-115.83
2007-105.8
2007-095.94
2007-085.88
2007-075.78
2007-065.68
2007-055.55
2007-045.35
2007-035.33
2007-025.3
2007-015.08
2006-124.96
2006-114.93
2006-104.93
2006-094.8
2006-084.77
2006-074.72
2006-064.51
2006-054.4
2006-044.33
2006-034.24
2006-024.15
2006-014.11
2005-124.08
2005-114.06
2005-103.81
2005-093.99
2005-084.06
2005-074.04
2005-064.02
2005-054.08
2005-044.23
2005-034.38
2005-024.53
2005-014.73
2004-124.89
2004-114.79
2004-104.87
2004-094.93
2004-084.93
2004-075.05
2004-064.82
2004-054.94
2004-044.9
2004-034.91
2004-025.14
2004-015.06
2003-125.14
2003-115.2
2003-105.02
2003-095
2003-085.15
2003-075
2003-064.83
2003-055.03
2003-045.27
2003-035.29
2003-025.46
2003-015.64

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, Finland, 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, Finland, 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/finland. 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, Finland, 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/finland.

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

Interest rate on new consumer loans in Finland was 5.84% in August 2026, according to the European Central Bank. That is up 0.23 pts from August 2025. That is the 17th 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 Finland?

8.08% in September 2023, the highest value since January 2003 in this series.

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

Related statistics for Finland

All statistics for Finland | Finland in figures