EU countries by interest rate on new consumer loans

Estonia had the highest interest rate on new consumer loans of 20 EU countries in July 2026, at 12.61%. Malta had the lowest, at 4.21%. The median was 7.56%. Source: the European Central Bank.

Highest12.61Estonia

Lowest4.21Malta

Median7.5620 EU countries

Map of EU countries, July 2026

Under 5.8
5.8 to 6.7
6.7 to 8.4
8.4 to 9
9 and over
No data

%, July 2026. 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, July 2026

%. 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	July 2026 (%)	Change on July 2025
1	Estonia	12.61	-1.44 pts
2	Latvia	11.33	-1.75 pts
3	Greece	10.51	+0.06 pts
4	Bulgaria	9.09	+4.77 pts
5	Portugal	8.97	+0.14 pts
6	Austria	8.7	+0.81 pts
7	Italy	8.68	+0.08 pts
8	Slovakia	8.41	-0.99 pts
9	Lithuania	8.36	-0.02 pts
10	Germany	8.17	+0.1 pts
11	Spain	6.96	+0.04 pts
12	Ireland	6.74	-0.55 pts
13	Belgium	6.56	+0.08 pts
14	France	5.97	-0.02 pts
15	Cyprus	5.92	-0.57 pts
16	Slovenia	5.91	+0.08 pts
17	Finland	5.59	+0.17 pts
18	Croatia	5.06	-0.03 pts
19	Luxembourg	4.94	+0.58 pts
20	Malta	4.21	-0.1 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, 2026-07) [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, 2026-07. 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=2026-07. 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, 2026-07. 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=2026-07.

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, 2026-07 [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=2026-07 (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, 2026-07}},
  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=2026-07. 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, 2026-07
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=2026-07
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/consumer-credit-rate/eu-countries?period=2026-07.
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 12.61% in July 2026, according to the European Central Bank.

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

Malta, with 4.21% in July 2026.

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.