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

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%.

- Source agency: European Central Bank
- Makrognosis code: `EA.LENDRATE.M.NSA.GRP-CONSUMER`
- Frequency: monthly
- Units: % per annum
- Coverage: 2000-01-01 to 2026-09-01 (321 observations)
- Page: https://makrognosis.robomacro.com/data/euro-area/bank-lending-rate-to-households-for-consumer-credit-new-business

## Recent data

| Period | Value |
|---|---:|
| September 2026 | 7.8% |
| August 2026 | 7.9% |
| July 2026 | 7.6% |
| June 2026 | 7.5% |
| May 2026 | 7.6% |
| April 2026 | 7.6% |
| March 2026 | 7.5% |
| February 2026 | 7.5% |
| January 2026 | 7.6% |
| December 2025 | 7.2% |
| November 2025 | 7.3% |
| October 2025 | 7.3% |
| September 2025 | 7.4% |
| August 2025 | 7.5% |
| July 2025 | 7.5% |
| June 2025 | 7.4% |
| May 2025 | 7.5% |
| April 2025 | 7.5% |
| March 2025 | 7.5% |
| February 2025 | 7.6% |
| January 2025 | 7.7% |
| December 2024 | 7.4% |
| November 2024 | 7.6% |
| October 2024 | 7.7% |

## API

```
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"]
```