EU countries by interest rate on new consumer loans

Estonia had the highest interest rate on new consumer loans of 20 EU countries in October 2025, at 13.6%. Bulgaria had the lowest, at 3.66%. The median was 6.74%. Source: the European Central Bank.

Highest13.6Estonia

Lowest3.66Bulgaria

Median6.7420 EU countries

Map of EU countries, October 2025

Under 5.3
5.3 to 6.3
6.3 to 7.6
7.6 to 8.5
8.5 and over
No data

%, October 2025. Hatched areas have no value for this period. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Boundaries: Natural Earth (public domain).

All EU countries, October 2025

%. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	October 2025 (%)	Change on October 2024
1	Estonia	13.6	+0.28 pts
2	Greece	10.53	-0.33 pts
3	Slovakia	9.18	-0.57 pts
4	Portugal	8.86	-0.05 pts
5	Italy	8.45	-0.24 pts
6	Lithuania	8.38	-1.31 pts
7	Austria	8.13	-0.14 pts
8	Germany	7.93	-0.15 pts
9	Ireland	7.37	-0.5 pts
10	Spain	6.79	-0.62 pts
11	Latvia	6.69	-7.27 pts
12	Belgium	6.46	-0.4 pts
13	Cyprus	6.18	-0.63 pts
14	France	6.04	-0.38 pts
15	Slovenia	5.72	-0.81 pts
16	Finland	5.39	-0.81 pts
17	Croatia	5.09	+0.18 pts
18	Luxembourg	4.13	-0.47 pts
19	Malta	3.98	-0.13 pts
20	Bulgaria	3.66	-0.23 pts

Other periods

About this ranking

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.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. Equal values share a rank.

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) (EU countries by interest rate on new consumer loans, 2025-10) [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), EU countries by interest rate on new consumer loans, 2025-10. 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/rankings/consumer-credit-rate/eu-countries?period=2025-10. 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). EU countries by interest rate on new consumer loans, 2025-10. 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/rankings/consumer-credit-rate/eu-countries?period=2025-10.

Harvard

European Central Bank (no date) ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N), EU countries by interest rate on new consumer loans, 2025-10 [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/rankings/consumer-credit-rate/eu-countries?period=2025-10 (Accessed: 12 October 2026).

BibTeX

@misc{european_eu_countries_by_interest_2026,
  author = {{European Central Bank}},
  title = {{ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N): EU countries by interest rate on new consumer loans, 2025-10}},
  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/rankings/consumer-credit-rate/eu-countries?period=2025-10. 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): EU countries by interest rate on new consumer loans, 2025-10
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/rankings/consumer-credit-rate/eu-countries?period=2025-10
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/consumer-credit-rate/eu-countries?period=2025-10.
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

Which EU country has the highest interest rate on new consumer loans?

Estonia, with 13.6% in October 2025, according to the European Central Bank.

Which EU country has the lowest interest rate on new consumer loans?

Bulgaria, with 3.66% in October 2025.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: European Central Bank, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.