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

EU countries by interest rate on new consumer loans

Latvia had the highest interest rate on new consumer loans of 20 EU countries in December 2025, at 13.35%. Luxembourg had the lowest, at 3.94%. The median was 7.13%. Source: the European Central Bank.

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Highest13.35Latvia
Lowest3.94Luxembourg
Median7.1320 EU countries

Map of EU countries, December 2025

Austria: 7.97 %Belgium: 5.92 %Bulgaria: 4.53 %Cyprus: 6.21 %Germany: 7.72 %Estonia: 13.28 %Spain: 6.54 %Finland: 5.38 %France: 6.03 %Greece: 9.94 %Croatia: 4.95 %Ireland: 8.01 %Italy: 8.33 %Lithuania: 8.68 %Luxembourg: 3.94 %Latvia: 13.35 %Malta: 4.26 %Portugal: 8.62 %Slovenia: 5.59 %Slovakia: 8.98 %
  • Under 5.3
  • 5.3 to 6.1
  • 6.1 to 8
  • 8 to 8.7
  • 8.7 and over
  • No data
%, December 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, December 2025

Latvia: 13.35 %Latvia13.35Estonia: 13.28 %Estonia13.28Greece: 9.94 %Greece9.94Slovakia: 8.98 %Slovakia8.98Lithuania: 8.68 %Lithuania8.68Portugal: 8.62 %Portugal8.62Italy: 8.33 %Italy8.33Ireland: 8.01 %Ireland8.01Austria: 7.97 %Austria7.97Germany: 7.72 %Germany7.72Spain: 6.54 %Spain6.54Cyprus: 6.21 %Cyprus6.21France: 6.03 %France6.03Belgium: 5.92 %Belgium5.92Slovenia: 5.59 %Slovenia5.59Finland: 5.38 %Finland5.38Croatia: 4.95 %Croatia4.95Bulgaria: 4.53 %Bulgaria4.53Malta: 4.26 %Malta4.26Luxembourg: 3.94 %Luxembourg3.94Latvia: 13.35 %Latvia13.35Estonia: 13.28 %Estonia13.28Greece: 9.94 %Greece9.94Slovakia: 8.98 %Slovakia8.98Lithuania: 8.68 %Lithuania8.68Portugal: 8.62 %Portugal8.62Italy: 8.33 %Italy8.33Ireland: 8.01 %Ireland8.01Austria: 7.97 %Austria7.97Germany: 7.72 %Germany7.72Spain: 6.54 %Spain6.54Cyprus: 6.21 %Cyprus6.21France: 6.03 %France6.03Belgium: 5.92 %Belgium5.92Slovenia: 5.59 %Slovenia5.59Finland: 5.38 %Finland5.38Croatia: 4.95 %Croatia4.95Bulgaria: 4.53 %Bulgaria4.53Malta: 4.26 %Malta4.26Luxembourg: 3.94 %Luxembourg3.94
%. 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 countriesDecember 2025 (%)Change on December 2024
1Latvia13.35-1.99 pts
2Estonia13.280 pts
3Greece9.94-0.69 pts
4Slovakia8.98-0.65 pts
5Lithuania8.68-0.67 pts
6Portugal8.62+0.06 pts
7Italy8.33-0.11 pts
8Ireland8.01+0.32 pts
9Austria7.97+0.23 pts
10Germany7.72-0.1 pts
11Spain6.54-0.43 pts
12Cyprus6.21+0.18 pts
13France6.03-0.32 pts
14Belgium5.92-0.6 pts
15Slovenia5.59-0.8 pts
16Finland5.38-0.52 pts
17Croatia4.95+0.04 pts
18Bulgaria4.53+0.12 pts
19Malta4.26+0.32 pts
20Luxembourg3.94-0.68 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, 2025-12) [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, 2025-12. 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=2025-12. 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, 2025-12. 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=2025-12.

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, 2025-12 [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=2025-12 (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, 2025-12}},
  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=2025-12. 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, 2025-12
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=2025-12
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/consumer-credit-rate/eu-countries?period=2025-12.
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?

Latvia, with 13.35% in December 2025, according to the European Central Bank.

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

Luxembourg, with 3.94% in December 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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