Fiatmap

Lending rate

What do banks charge for credit there?

Bank lending rate, IMF-harmonised — the price of credit, ~150 economies.

Switzerland leads with 2.82 %; Madagascar sits last at 60.00 %. Best-for-you first — lower is better here.

Coverage: 67 of ~66 countries this field can reach — IMF MFS_IR MFS162 — 136 report, minus non-catalogue and pre-2021 observations

Free to republish — just credit us

Fiatmap, “Lending rate by country”, fiatmap.com/rankings/lending-rates. Licensed CC BY 4.0. Underlying data: official statistics (BIS, ECB, FRED, Eurostat, OECD, World Bank, SSB), each value dated at source.

⤓ CSV (CC BY 4.0)⤓ JSON⤓ PNG poster⤓ SVG map
Embed this on your own site

Top-10 table (live)

<iframe src="https://fiatmap.com/embed/ranking/lending-rates" title="Lending rate by country — Fiatmap" width="360" height="440" style="border:0" loading="lazy"></iframe>

World map

<iframe src="https://fiatmap.com/embed/map/lending-rates" title="Lending rate by country — Fiatmap" width="720" height="430" style="border:0" loading="lazy"></iframe>

11 of 67 countries between 2.96 % and 4.75 %8 of 67 countries between 4.75 % and 6.55 %9 of 67 countries between 6.55 % and 8.34 %10 of 67 countries between 8.34 % and 10.14 %4 of 67 countries between 10.14 % and 11.93 %3 of 67 countries between 11.93 % and 13.73 %5 of 67 countries between 13.73 % and 15.52 %5 of 67 countries between 15.52 % and 17.31 %3 of 67 countries between 17.31 % and 19.11 %3 of 67 countries between 19.11 % and 20.90 %1 of 67 countries between 22.70 % and 24.49 %1 of 67 countries between 37.05 % and 38.84 %4 of 67 countries between 44.23 % and 46.02 %median 8.79 %2.96 %46.02 %
Half of all 67 countries sit between 5.88 % and 15.34 %. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.

On the map

Fiji — Lending rate: 4.56 %Tanzania — no data yetW. Sahara — no data yetCanada — no data yetUnited States — Lending rate: 3.25 %Kazakhstan — no data yetUzbekistan — no data yetPapua New Guinea — Lending rate: 8.29 %Indonesia — Lending rate: 8.50 %Argentina — Lending rate: 46.02 %Chile — no data yetDem. Rep. Congo — no data yetSomalia — no data yetKenya — Lending rate: 16.59 %Sudan — no data yetChad — no data yetHaiti — Lending rate: 13.01 %Dominican Republic — Lending rate: 15.25 %Russia — Lending rate: 17.09 %Bahamas — Lending rate: 4.25 %Falkland Is. — no data yetNorway — Lending rate: 5.88 %Greenland — no data yetFr. S. Antarctic Lands — no data yetTimor-Leste — no data yetSouth Africa — Lending rate: 10.69 %Lesotho — no data yetMexico — Lending rate: 8.79 %Uruguay — Lending rate: 10.06 %Brazil — Lending rate: 45.33 %Bolivia — Lending rate: 10.19 %Peru — Lending rate: 12.60 %Colombia — Lending rate: 14.31 %Panama — Lending rate: 6.91 %Costa Rica — Lending rate: 6.88 %Nicaragua — Lending rate: 9.16 %Honduras — Lending rate: 18.58 %El Salvador — no data yetGuatemala — Lending rate: 12.85 %Belize — Lending rate: 8.48 %Venezuela — no data yetGuyana — Lending rate: 8.23 %Suriname — Lending rate: 14.50 %France — no data yetEcuador — no data yetPuerto Rico — no data yetJamaica — no data yetCuba — no data yetZimbabwe — Lending rate: 46.36 %Botswana — Lending rate: 6.26 %Namibia — Lending rate: 10.96 %Senegal — no data yetMali — no data yetMauritania — no data yetBenin — no data yetNiger — no data yetNigeria — Lending rate: 18.45 %Cameroon — no data yetTogo — no data yetGhana — no data yetCôte d'Ivoire — no data yetGuinea — no data yetGuinea-Bissau — no data yetLiberia — no data yetSierra Leone — no data yetBurkina Faso — no data yetCentral African Rep. — no data yetCongo — no data yetGabon — no data yetEq. Guinea — no data yetZambia — no data yetMalawi — Lending rate: 37.06 %Mozambique — Lending rate: 17.53 %eSwatini — no data yetAngola — Lending rate: 19.37 %Burundi — no data yetIsrael — Lending rate: 2.96 %Lebanon — no data yetMadagascar — Lending rate: 60.00 %Palestine — no data yetGambia — no data yetTunisia — no data yetAlgeria — Lending rate: 8.00 %Jordan — Lending rate: 8.10 %United Arab Emirates — no data yetQatar — Lending rate: 4.75 %Kuwait — Lending rate: 5.03 %Iraq — no data yetOman — no data yetVanuatu — no data yetCambodia — no data yetThailand — Lending rate: 3.94 %Laos — no data yetMyanmar — no data yetVietnam — no data yetNorth Korea — no data yetSouth Korea — Lending rate: 4.19 %Mongolia — Lending rate: 16.01 %India — no data yetBangladesh — Lending rate: 8.62 %Bhutan — no data yetNepal — no data yetPakistan — Lending rate: 8.67 %Afghanistan — no data yetTajikistan — no data yetKyrgyzstan — Lending rate: 19.78 %Turkmenistan — no data yetIran — no data yetSyria — no data yetArmenia — Lending rate: 13.78 %Sweden — no data yetBelarus — Lending rate: 10.95 %Ukraine — Lending rate: 19.70 %Poland — no data yetAustria — no data yetHungary — Lending rate: 8.01 %Moldova — Lending rate: 8.99 %Romania — Lending rate: 8.52 %Lithuania — no data yetLatvia — no data yetEstonia — no data yetGermany — no data yetBulgaria — Lending rate: 4.24 %Greece — no data yetTurkey — no data yetAlbania — no data yetCroatia — no data yetSwitzerland — Lending rate: 2.82 %Luxembourg — no data yetBelgium — no data yetNetherlands — no data yetPortugal — no data yetSpain — no data yetIreland — no data yetNew Caledonia — no data yetSolomon Is. — no data yetNew Zealand — no data yetAustralia — no data yetSri Lanka — no data yetChina — no data yetTaiwan — no data yetItaly — Lending rate: 4.89 %Denmark — no data yetUnited Kingdom — no data yetIceland — no data yetAzerbaijan — Lending rate: 15.34 %Georgia — Lending rate: 15.91 %Philippines — no data yetMalaysia — Lending rate: 4.82 %Brunei — Lending rate: 5.50 %Slovenia — no data yetFinland — no data yetSlovakia — no data yetCzech Republic — Lending rate: 4.67 %Eritrea — no data yetJapan — no data yetParaguay — no data yetYemen — no data yetSaudi Arabia — no data yetN. Cyprus — no data yetCyprus — no data yetMorocco — no data yetEgypt — Lending rate: 24.29 %Libya — no data yetEthiopia — no data yetDjibouti — no data yetSomaliland — no data yetUganda — no data yetRwanda — Lending rate: 16.02 %Bosnia and Herzegovina — Lending rate: 4.10 %Macedonia — no data yetSerbia — no data yetMontenegro — Lending rate: 6.32 %Kosovo — no data yetTrinidad and Tobago — Lending rate: 7.50 %S. Sudan — no data yetFiji — Lending rate: 4.56 %Haiti — Lending rate: 13.01 %Dominican Republic — Lending rate: 15.25 %Bahamas — Lending rate: 4.25 %Panama — Lending rate: 6.91 %Costa Rica — Lending rate: 6.88 %Honduras — Lending rate: 18.58 %Guatemala — Lending rate: 12.85 %Belize — Lending rate: 8.48 %Malawi — Lending rate: 37.06 %Israel — Lending rate: 2.96 %Jordan — Lending rate: 8.10 %Qatar — Lending rate: 4.75 %Kuwait — Lending rate: 5.03 %South Korea — Lending rate: 4.19 %Armenia — Lending rate: 13.78 %Hungary — Lending rate: 8.01 %Moldova — Lending rate: 8.99 %Switzerland — Lending rate: 2.82 %Azerbaijan — Lending rate: 15.34 %Georgia — Lending rate: 15.91 %Brunei — Lending rate: 5.50 %Czech Republic — Lending rate: 4.67 %Rwanda — Lending rate: 16.02 %Bosnia and Herzegovina — Lending rate: 4.10 %Montenegro — Lending rate: 6.32 %Trinidad and Tobago — Lending rate: 7.50 %Lending rate2.82 %60.00 %

The full ranking

1Switzerland2.82 %2025Checked 9 Sept 2026
2Israel2.96 %2022Checked 9 Sept 2026
3United States3.25 %2021Checked 9 Sept 2026
4Thailand3.94 %2025Checked 9 Sept 2026
5Bosnia and Herzegovina4.10 %2025Checked 9 Sept 2026
6South Korea4.19 %2025Checked 9 Sept 2026
7Bulgaria4.24 %2025Checked 9 Sept 2026
8Bahamas4.25 %2025Checked 9 Sept 2026
9Fiji4.56 %2024Checked 9 Sept 2026
10Czech Republic4.67 %2025Checked 9 Sept 2026
11Qatar4.75 %2025Checked 9 Sept 2026
12Malaysia4.82 %2025Checked 9 Sept 2026
13Italy4.89 %2023Checked 9 Sept 2026
14Kuwait5.03 %2025Checked 9 Sept 2026
15Hong Kong5.18 %2025Checked 9 Sept 2026
16Brunei5.50 %2025Checked 9 Sept 2026
17Norway5.88 %2025Checked 9 Sept 2026
18Botswana6.26 %2024Checked 9 Sept 2026
19Montenegro6.32 %2025Checked 9 Sept 2026
20Costa Rica6.88 %2025Checked 9 Sept 2026
21Panama6.91 %2022Checked 9 Sept 2026
22Trinidad and Tobago7.50 %2025Checked 9 Sept 2026
23Algeria8.00 %2025Checked 9 Sept 2026
24Hungary8.01 %2025Checked 9 Sept 2026
25Barbados8.05 %2022Checked 9 Sept 2026
26Jordan8.10 %2025Checked 9 Sept 2026
27Guyana8.23 %2025Checked 9 Sept 2026
28Papua New Guinea8.29 %2024Checked 9 Sept 2026
29Belize8.48 %2025Checked 9 Sept 2026
30Indonesia8.50 %2025Checked 9 Sept 2026
31Romania8.52 %2025Checked 9 Sept 2026
32Bangladesh8.62 %2025Checked 9 Sept 2026
33Pakistan8.67 %2021Checked 9 Sept 2026
34Mexico8.79 %2025Checked 9 Sept 2026
35Moldova8.99 %2025Checked 9 Sept 2026
36Mauritius9.00 %2025Checked 9 Sept 2026
37Nicaragua9.16 %2025Checked 9 Sept 2026
38Uruguay10.06 %2025Checked 9 Sept 2026
39Bolivia10.19 %2025Checked 9 Sept 2026
40South Africa10.69 %2025Checked 9 Sept 2026
41Belarus10.95 %2025Checked 9 Sept 2026
42Namibia10.96 %2024Checked 9 Sept 2026
43Peru12.60 %2022Checked 9 Sept 2026
44Guatemala12.85 %2025Checked 9 Sept 2026
45Haiti13.01 %2025Checked 9 Sept 2026
46Armenia13.78 %2025Checked 9 Sept 2026
47Colombia14.31 %2025Checked 9 Sept 2026
48Suriname14.50 %2025Checked 9 Sept 2026
49Dominican Republic15.25 %2024Checked 9 Sept 2026
50Azerbaijan15.34 %2025Checked 9 Sept 2026
51Georgia15.91 %2025Checked 9 Sept 2026
52Mongolia16.01 %2021Checked 9 Sept 2026
53Rwanda16.02 %2024Checked 9 Sept 2026
54Kenya16.59 %2024Checked 9 Sept 2026
55Russia17.09 %2024Checked 9 Sept 2026
56Mozambique17.53 %2025Checked 9 Sept 2026
57Nigeria18.45 %2025Checked 9 Sept 2026
58Honduras18.58 %2025Checked 9 Sept 2026
59Angola19.37 %2025Checked 9 Sept 2026
60Ukraine19.70 %2025Checked 9 Sept 2026
61Kyrgyzstan19.78 %2024Checked 9 Sept 2026
62Egypt24.29 %2024Checked 9 Sept 2026
63Malawi37.06 %2024Checked 9 Sept 2026
64Brazil45.33 %2025Checked 9 Sept 2026
65Argentina46.02 %2025Checked 9 Sept 2026
66Zimbabwe46.36 %2025Checked 9 Sept 2026
67Madagascar60.00 %2025Checked 9 Sept 2026

Regional averages

Europe (13)

8.17 %

Americas (21)

13.53 %

Asia (17)

8.89 %

Africa (14)

21.47 %

Unweighted mean of the published values in each region — our aggregation, not an official statistic.

How to read this figure

The IMF-harmonised bank lending rate — what banks charge their customers for credit, averaged nationally. Harmonisation is what makes ~150 economies comparable; the trade-off is that the underlying loan mix (business vs consumer, maturities) differs by country, so treat close values as similar, not identical.

Countries with the lowest lending rate · Countries with the highest lending rate

How to read this list

Bank lending rate, IMF-harmonised — the price of credit, ~150 economies. 67 countries publish it; the rest are absent from the list rather than shown as zero. The figures were observed between 2021 and 2025 — a spread of 48 months — so this compares each country’s latest published number, not one moment in time. Every row carries its own date in the CSV and JSON; use it. Nothing here is estimated or carried forward to fill a gap. This metric is one column of the full dataset.

Official sources onlySurveyed 2025Revised daily 05:20 UTCLicence CC BY 4.0