Data / Rankings / Interest rate on new consumer loans / EU countries

EU countries by interest rate on new consumer loans

Estonia had the highest interest rate on new consumer loans of 20 EU countries in November 2025, at 13.25%. Bulgaria had the lowest, at 3.38%. The median was 7.17%. Source: the European Central Bank.

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Highest13.25Estonia
Lowest3.38Bulgaria
Median7.1720 EU countries

Map of EU countries, November 2025

Austria: 7.94 %Belgium: 6.24 %Bulgaria: 3.38 %Cyprus: 6.2 %Germany: 8.02 %Estonia: 13.25 %Spain: 6.41 %Finland: 5.46 %France: 6.16 %Greece: 10.12 %Croatia: 5.04 %Ireland: 7.92 %Italy: 8.45 %Lithuania: 8.34 %Luxembourg: 4.21 %Latvia: 12.29 %Malta: 4.53 %Portugal: 8.63 %Slovenia: 5.61 %Slovakia: 9.07 %
  • Under 5.4
  • 5.4 to 6.2
  • 6.2 to 8
  • 8 to 8.7
  • 8.7 and over
  • No data
%, November 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, November 2025

Estonia: 13.25 %Estonia13.25Latvia: 12.29 %Latvia12.29Greece: 10.12 %Greece10.12Slovakia: 9.07 %Slovakia9.07Portugal: 8.63 %Portugal8.63Italy: 8.45 %Italy8.45Lithuania: 8.34 %Lithuania8.34Germany: 8.02 %Germany8.02Austria: 7.94 %Austria7.94Ireland: 7.92 %Ireland7.92Spain: 6.41 %Spain6.41Belgium: 6.24 %Belgium6.24Cyprus: 6.2 %Cyprus6.2France: 6.16 %France6.16Slovenia: 5.61 %Slovenia5.61Finland: 5.46 %Finland5.46Croatia: 5.04 %Croatia5.04Malta: 4.53 %Malta4.53Luxembourg: 4.21 %Luxembourg4.21Bulgaria: 3.38 %Bulgaria3.38Estonia: 13.25 %Estonia13.25Latvia: 12.29 %Latvia12.29Greece: 10.12 %Greece10.12Slovakia: 9.07 %Slovakia9.07Portugal: 8.63 %Portugal8.63Italy: 8.45 %Italy8.45Lithuania: 8.34 %Lithuania8.34Germany: 8.02 %Germany8.02Austria: 7.94 %Austria7.94Ireland: 7.92 %Ireland7.92Spain: 6.41 %Spain6.41Belgium: 6.24 %Belgium6.24Cyprus: 6.2 %Cyprus6.2France: 6.16 %France6.16Slovenia: 5.61 %Slovenia5.61Finland: 5.46 %Finland5.46Croatia: 5.04 %Croatia5.04Malta: 4.53 %Malta4.53Luxembourg: 4.21 %Luxembourg4.21Bulgaria: 3.38 %Bulgaria3.38
%. Source: ECB, ECB MIR interest rate on new household consumer loans (A2B.A.R.A.2250.EUR.N). Retrieved 2026-10-12.

Full ranking

RankEU countriesNovember 2025 (%)Change on November 2024
1Estonia13.25+0.53 pts
2Latvia12.29-1.65 pts
3Greece10.12-0.74 pts
4Slovakia9.07-0.6 pts
5Portugal8.63-0.08 pts
6Italy8.450 pts
7Lithuania8.34-0.98 pts
8Germany8.02-0.05 pts
9Austria7.94-0.09 pts
10Ireland7.92+0.1 pts
11Spain6.41-0.47 pts
12Belgium6.24-0.48 pts
13Cyprus6.2+0.14 pts
14France6.16-0.3 pts
15Slovenia5.61-0.81 pts
16Finland5.46-0.71 pts
17Croatia5.04+0.39 pts
18Malta4.53+0.41 pts
19Luxembourg4.21-0.33 pts
20Bulgaria3.38-0.23 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, 2025-11) [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, 2025-11. 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=2025-11. 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, 2025-11. 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=2025-11.

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, 2025-11 [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=2025-11 (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, 2025-11}},
  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=2025-11. 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, 2025-11
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=2025-11
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/consumer-credit-rate/eu-countries?period=2025-11.
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 13.25% in November 2025, according to the European Central Bank.

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

Bulgaria, with 3.38% in November 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.

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