# Household effective interest cost on non-mortgage loans in Canada

Household effective interest cost on non-mortgage loans in Canada was 2.1% in Q2 2026. Source: Statistics Canada.

- Indicator id: `household_effective_interest_cost_nonmortgage`
- Place id: `ca`
- Unit: %
- Definition: Statistics Canada's quarterly interest expense on Household sector non-mortgage loans divided by the outstanding interest-bearing non-mortgage loan balance, expressed as a percentage. This published series is unadjusted at quarterly rates.
- Note: The Household sector includes unincorporated enterprises operated by households and excludes NPISH. The measure reflects interest paid on new and existing non-mortgage borrowing; it is not an annualized loan quote or an APR.
- Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Effective interest cost, non-mortgage loans (unadjusted at quarterly rates) (https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=1806944995&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12)
- Publisher page: https://invokely.ai/en/publishers/statistics-canada
- Retrieved: 2026-10-12
- License: Statistics Canada Open Licence: redistribution and sale permitted with the prescribed attribution and no implied endorsement
- Citation: Source: Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Effective interest cost, non-mortgage loans (unadjusted at quarterly rates), reference period 2026-Q2. Reproduced and distributed on an "as is" basis with the permission of Statistics Canada. Adapted from Statistics Canada, Table 38-10-0235-01, Financial indicators of households and non-profit institutions serving households, national balance sheet accounts: Canada, Households, Effective interest cost, non-mortgage loans (unadjusted at quarterly rates), reference period 2026-Q2. This does not constitute an endorsement by Statistics Canada of this product. https://www150.statcan.gc.ca/t1/wds/rest/getDataFromVectorByReferencePeriodRange?vectorIds=1806944995&startRefPeriod=1990-01-01&endReferencePeriod=2026-10-12. Retrieved 2026-10-12.
- Web page: https://invokely.ai/en/household-effective-interest-cost-non-mortgage-loans/canada
- API: https://invokely.ai/api/v1/series?indicator=household_effective_interest_cost_nonmortgage&place=ca

| Period | % |
|---|---:|
| 2026-Q2 | 2.1 |
| 2026-Q1 | 2.12 |
| 2025-Q4 | 2.13 |
| 2025-Q3 | 2.16 |
| 2025-Q2 | 2.17 |
| 2025-Q1 | 2.19 |
| 2024-Q4 | 2.22 |
| 2024-Q3 | 2.31 |
| 2024-Q2 | 2.33 |
| 2024-Q1 | 2.33 |
| 2023-Q4 | 2.28 |
| 2023-Q3 | 2.24 |
| 2023-Q2 | 2.11 |
| 2023-Q1 | 2.12 |
| 2022-Q4 | 1.95 |
| 2022-Q3 | 1.75 |
| 2022-Q2 | 1.54 |
| 2022-Q1 | 1.48 |
| 2021-Q4 | 1.52 |
| 2021-Q3 | 1.48 |
| 2021-Q2 | 1.46 |
| 2021-Q1 | 1.49 |
| 2020-Q4 | 1.53 |
| 2020-Q3 | 1.52 |
| 2020-Q2 | 1.55 |
| 2020-Q1 | 1.75 |
| 2019-Q4 | 1.72 |
| 2019-Q3 | 1.72 |
| 2019-Q2 | 1.66 |
| 2019-Q1 | 1.74 |
| 2018-Q4 | 1.7 |
| 2018-Q3 | 1.65 |
| 2018-Q2 | 1.56 |
| 2018-Q1 | 1.58 |
| 2017-Q4 | 1.54 |
| 2017-Q3 | 1.5 |
| 2017-Q2 | 1.44 |
| 2017-Q1 | 1.49 |
| 2016-Q4 | 1.47 |
| 2016-Q3 | 1.44 |
| 2016-Q2 | 1.44 |
| 2016-Q1 | 1.49 |
| 2015-Q4 | 1.45 |
| 2015-Q3 | 1.46 |
| 2015-Q2 | 1.42 |
| 2015-Q1 | 1.48 |
| 2014-Q4 | 1.47 |
| 2014-Q3 | 1.46 |
| 2014-Q2 | 1.44 |
| 2014-Q1 | 1.49 |
| 2013-Q4 | 1.5 |
| 2013-Q3 | 1.52 |
| 2013-Q2 | 1.5 |
| 2013-Q1 | 1.54 |
| 2012-Q4 | 1.52 |
| 2012-Q3 | 1.55 |
| 2012-Q2 | 1.54 |
| 2012-Q1 | 1.58 |
| 2011-Q4 | 1.59 |
| 2011-Q3 | 1.59 |
| 2011-Q2 | 1.52 |
| 2011-Q1 | 1.65 |
| 2010-Q4 | 1.59 |
| 2010-Q3 | 1.58 |
| 2010-Q2 | 1.56 |
| 2010-Q1 | 1.59 |
| 2009-Q4 | 1.57 |
| 2009-Q3 | 1.58 |
| 2009-Q2 | 1.61 |
| 2009-Q1 | 1.84 |
| 2008-Q4 | 2.03 |
| 2008-Q3 | 2.05 |
| 2008-Q2 | 2.08 |
| 2008-Q1 | 2.2 |
| 2007-Q4 | 2.27 |
| 2007-Q3 | 2.19 |
| 2007-Q2 | 2.15 |
| 2007-Q1 | 2.21 |
| 2006-Q4 | 2.21 |
| 2006-Q3 | 2.15 |
| 2006-Q2 | 2.04 |
| 2006-Q1 | 2.05 |
| 2005-Q4 | 1.82 |
| 2005-Q3 | 1.89 |
| 2005-Q2 | 1.86 |
| 2005-Q1 | 1.95 |
| 2004-Q4 | 1.87 |
| 2004-Q3 | 1.93 |
| 2004-Q2 | 1.93 |
| 2004-Q1 | 2.09 |
| 2003-Q4 | 2 |
| 2003-Q3 | 2.09 |
| 2003-Q2 | 1.97 |
| 2003-Q1 | 2.05 |
| 2002-Q4 | 2.1 |
| 2002-Q3 | 2.04 |
| 2002-Q2 | 1.97 |
| 2002-Q1 | 2.06 |
| 2001-Q4 | 2.19 |
| 2001-Q3 | 2.38 |
| 2001-Q2 | 2.5 |
| 2001-Q1 | 2.67 |
| 2000-Q4 | 2.61 |
| 2000-Q3 | 2.61 |
| 2000-Q2 | 2.56 |
| 2000-Q1 | 2.4 |
| 1999-Q4 | 2.27 |
| 1999-Q3 | 2.38 |
| 1999-Q2 | 2.39 |
| 1999-Q1 | 2.51 |
| 1998-Q4 | 2.45 |
| 1998-Q3 | 2.42 |
| 1998-Q2 | 2.4 |
| 1998-Q1 | 2.39 |
| 1997-Q4 | 2.31 |
| 1997-Q3 | 2.29 |
| 1997-Q2 | 2.34 |
| 1997-Q1 | 2.41 |
| 1996-Q4 | 2.6 |
| 1996-Q3 | 2.75 |
| 1996-Q2 | 2.84 |
| 1996-Q1 | 2.91 |
| 1995-Q4 | 3.02 |
| 1995-Q3 | 3.09 |
| 1995-Q2 | 3.17 |
| 1995-Q1 | 3.03 |
| 1994-Q4 | 2.82 |
| 1994-Q3 | 2.8 |
| 1994-Q2 | 2.7 |
| 1994-Q1 | 2.62 |
| 1993-Q4 | 2.71 |
| 1993-Q3 | 2.72 |
| 1993-Q2 | 2.81 |
| 1993-Q1 | 3.03 |
| 1992-Q4 | 3.22 |
| 1992-Q3 | 3.19 |
| 1992-Q2 | 3.3 |
| 1992-Q1 | 3.48 |
| 1991-Q4 | 3.63 |
| 1991-Q3 | 3.85 |
| 1991-Q2 | 3.9 |
| 1991-Q1 | 4.23 |
| 1990-Q4 | 4.41 |
| 1990-Q3 | 4.41 |
| 1990-Q2 | 4.25 |
| 1990-Q1 | 4.21 |