Makrognosis

Euro Area Bank lending rate to households for consumer credit, new business

MonthlyNot seasonally adjustedCode EA.LENDRATE.M.NSA.GRP-CONSUMER

Latest7.8%September 2026
Previous7.9%August 2026
Year ago7.4%September 2025

Euro Area Bank lending rate to households for consumer credit, new business was 7.8% in September 2026, down 0.1 percentage points from August 2026 and up 0.4 percentage points from a year earlier.

Over the past ten years it has ranged from 5.0% (Jun 2020) to 8.0% (Jan 2024), averaging 6.3%.

Euro Area Bank lending rate to households for consumer credit, new business (% per annum), Jan 2000 – Sep 20265%6%7%8%9%200020052010201520202025Robomacro
Euro Area Bank lending rate to households for consumer credit, new business (% per annum), Jan 2000 – Sep 2026. Source: European Central Bank.

Showing the full history (downsampled for display). Open the interactive chart to zoom and switch transforms.

Recent data

PeriodValue
September 20267.8%
August 20267.9%
July 20267.6%
June 20267.5%
May 20267.6%
April 20267.6%
March 20267.5%
February 20267.5%
January 20267.6%
December 20257.2%
November 20257.3%
October 20257.3%
September 20257.4%
August 20257.5%
July 20257.5%
June 20257.4%
May 20257.5%
April 20257.5%
March 20257.5%
February 20257.6%
January 20257.7%
December 20247.4%
November 20247.6%
October 20247.7%

Last 24 observations. The full history (321 observations) is available through the API.

Get Euro Area Bank lending rate to households for consumer credit, new business in your code or spreadsheet

One guessable code, agency-direct, updated on release. Free tier available.

curl -H "X-API-Key: $MAKROGNOSIS_KEY" \
  "https://makrognosis.robomacro.com/v1/series/EA.LENDRATE.M.NSA.GRP-CONSUMER"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/EA.LENDRATE.M.NSA.GRP-CONSUMER",
                 headers={"X-API-Key": KEY})
obs = r.json()["observations"]
Get a free API key → · API docs

About this series

Latest observationSeptember 2026
First observationJanuary 2000
Observations321
FrequencyMonthly
Units% per annum
AdjustmentNot seasonally adjusted
10-year high8.0% (Jan 2024)
10-year low5.0% (Jun 2020)
10-year average6.3%
Source agencyEuropean Central Bank
Makrognosis codeEA.LENDRATE.M.NSA.GRP-CONSUMER

More Euro Area LENDRATE series

Euro Area Composite cost-of-borrowing indicator for households for house purchase, new businessEuro Area Composite cost-of-borrowing indicator for non-financial corporations, new business

Other Euro Area indicators

Euro Area GDP (Gross Domestic Product)Euro Area Real GDP (Current prices, million EURs, 2010 ref)Euro Area Inflation Rate (CPI)Euro Area Core Inflation RateEuro Area Unemployment RateEuro Area 10-Year Government Bond YieldEuro Area Industrial ProductionEuro Area Retail SalesEuro Area Producer Price Inflation (PPI)Euro Area Current account balance (BPM6, extra-euro-area), not seasonally adjustedEuro Area Trade Balance: Goods & ServicesEuro Area Exports of goods (BPM6 credits, extra-euro-area), not seasonally adjustedEuro Area Exports of goods and services, Current prices, million EUREuro Area Exports of goods and services, chain-linked volumeEuro Area Imports of goods (BPM6 debits, extra-euro-area), not seasonally adjustedEuro Area Imports of goods and services, Current prices, million EUR

FAQ

What is the current bank lending rate to households for consumer credit, new business in Euro Area?
The latest reading is 7.8% for September 2026, published by European Central Bank.
Where does this data come from?
It is collected directly from European Central Bank and is available through the Makrognosis API under the code EA.LENDRATE.M.NSA.GRP-CONSUMER.

Last updated 2026-11-06. Source: European Central Bank. Original title: “Euro area - Bank lending rate to households for consumer credit, new business”.