Bank Lending Rate In the Euro Area decreased to 3.81 percent in May from 3.92 percent in April of 2025. This dataset provides - Euro Area Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate In the Euro Area was last recorded at 2.15 percent. This dataset provides - Euro Area Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The average interest rate of loans from monetary financial institutions to non-financial corporations in the euro area overall has decreased significantly in 2024 and 2025. In January of 2024 it amounted to 5.16, and by March 2025 it had fallen to 3.93 percent. These figures are a composite cost-of-borrowing indicator that shows the average interest rate of business loans (non-financial), taking into account those with different loan terms or for different amounts.

Graph and download economic data for ECB Marginal Lending Facility Rate for Euro Area (ECBMLFR) from 1999-01-01 to 2025-07-11 about margin, overnight, Euro Area, Europe, loans, and rate.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

As of January 2025, Latvia was the euro area country with the highest interest rate for loans. The long-term maturities in that Baltic country were on average over 8.19 percent. Meanwhile, the composite cost for short-term loans in Malta amounted to 3.65 percent, which was the lowest rate in the Eurozone.

The rate on the marginal lending facility, which offers overnight credit to banks from the Eurosystem. Data refer to the changing composition of the Euro Area, taking into account the composition of the euro area at the time to which the statistics relate. For more details, see the ECB Statistics Bulletin's General Notes (https://sdw.ecb.europa.eu/reports.do?node=10000023).

Copyright, 2021, European Central Bank (ECB). Reprinted with permission.

Graph and download economic data for Interest Rates, Discount Rate for Euro Area from Jan 1999 to May 2017 about Euro Area, Europe, interest rate, interest, and rate.

Key information about European Union Long Term Interest Rate

• European Union Government Bond Yield: Monthly Average: Euro: 10 Years was reported at 2.99 % pa in Feb 2025, compared with 3.09 % pa in the previous month.
• EU Long Term Interest Rate data is updated monthly, available from Jan 1970 to Feb 2025.
• The data reached an all-time high of 15.44 % pa in Sep 1981 and a record low of -0.09 % pa in Dec 2020.
• Long Term Interest Rate is reported by reported by European Central Bank.

• In the latest reports, EU Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
• The cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.90 % pa in Feb 2025.
• EU Exchange Rate against USD averaged 0.92 (USD/EUR) in Jun 2023.

Graph and download economic data for ECB Deposit Facility Rate for Euro Area (ECBDFR) from 1999-01-01 to 2025-07-11 about overnight, Euro Area, deposits, Europe, and rate.

In June 2024, the European Central Bank (ECB) reduced the interest rate on its marginal lending facility by 0.25 percentage points, marking the first cut since 2016. Three months later, the ECB implemented another cut, setting the rate at 3.9 percent. It was followed by two further cuts at the end of 2024 and three more in early 2025, the latter one setting the rate at 2.65 percent. The marginal lending rate had previously been adjusted on March 16, 2016, when it was lowered from 0.3 percent to 0.25 percent, remaining unchanged until July 2022, when it was raised to 0.75 percent. After September 2022, the rate saw regular increases, reaching 4.75 percent by April 2024.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Euro Area (19 Countries) from Jan 1994 to May 2025 about interbank, Euro Area, 3-month, Europe, yield, interest rate, interest, and rate.

Euro Area Marginal Lending Rate: 26 years of historical data from 1999 to 2025.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Euro Area (19 Countries) (IRSTCI01EZM156N) from Jan 1994 to May 2025 about interbank, overnight, Euro Area, Europe, interest rate, interest, and rate.

Slovakia ECB Interest Rate: Marginal Lending Facility data was reported at 2.650 % pa in Apr 2025. This records a decrease from the previous number of 2.900 % pa for Mar 2025. Slovakia ECB Interest Rate: Marginal Lending Facility data is updated monthly, averaging 2.125 % pa from Jan 1999 (Median) to Apr 2025, with 316 observations. The data reached an all-time high of 5.750 % pa in Apr 2001 and a record low of 0.250 % pa in Jun 2022. Slovakia ECB Interest Rate: Marginal Lending Facility data remains active status in CEIC and is reported by European Central Bank. The data is categorized under Global Database’s Slovakia – Table SK.M001: Key Interest Rates: European Central Bank.

As of July 2024, Estonia was the country in the euro area with the highest annualised interest rate for consumer loans and other credit amounting to over 14 percent. The average interest rate for a consumer loan in the euro area was approximately 7.8 percent. Meanwhile, consumer loans with a maturity of over five year had the highest interest rates in the eurozone in 2024.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Euro Area (19 Countries) (IRSTCI01EZQ156N) from Q1 1994 to Q1 2025 about interbank, overnight, Euro Area, Europe, interest rate, interest, and rate.

Finland ECB Interest Rate: Marginal Lending Facility data was reported at 2.900 % pa in Mar 2025. This records a decrease from the previous number of 3.150 % pa for Feb 2025. Finland ECB Interest Rate: Marginal Lending Facility data is updated monthly, averaging 2.000 % pa from Jan 1999 (Median) to Mar 2025, with 315 observations. The data reached an all-time high of 5.750 % pa in Apr 2001 and a record low of 0.250 % pa in Jun 2022. Finland ECB Interest Rate: Marginal Lending Facility data remains active status in CEIC and is reported by European Central Bank. The data is categorized under Global Database’s Finland – Table FI.M001: Key Interest Rates: European Central Bank.

Lending Rate In the Euro Area decreased to 2.40 percent in June from 2.65 percent in April of 2025. This dataset provides - Euro Area Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of July 2024, consumer loans with a maturity date of over five years had the highest interest rate at 8.27 percent. In contrast, the consumer loans with the lowest interest rate were those with collateral or guarantees and a maturity date from up to one year.