Lending interest rate (%) in United States was reported at 3.25 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Key information about United States Bank Lending Rate

• United States Bank Lending Rate was reported at 7.500 % pa in Mar 2025.
• This stayed constant from the previous number of 7.500 % pa for Mar 2025.
• US Bank Lending Rate data is updated daily, averaging 4.250 % pa from Aug 1955 to 24 Mar 2025, with 25436 observations.
• The data reached an all-time high of 8.500 % pa in 18 Sep 2024 and a record low of 3.250 % pa in 16 Mar 2022.
• US Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Daily.

Bank Lending Rate in the United States remained unchanged at 7.50 percent in June. This dataset provides - United States Average Monthly Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

United States US: Lending Interest Rate data was reported at 3.512 % pa in 2016. This records an increase from the previous number of 3.260 % pa for 2015. United States US: Lending Interest Rate data is updated yearly, averaging 6.922 % pa from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 18.870 % pa in 1981 and a record low of 3.250 % pa in 2014. United States US: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

The U.S. bank prime loan rate has undergone significant fluctuations over the past three decades, reflecting broader economic trends and monetary policy decisions. From a high of **** percent in 1990, the rate has seen periods of decline, stability, and recent increases. As of May 2025, the prime rate stood at *** percent, marking a notable rise from the historic lows seen in the early 2020s. Federal Reserve's impact on lending rates The prime rate's trajectory closely mirrors changes in the federal funds rate, which serves as a key benchmark for the U.S. financial system. In 2023, the Federal Reserve implemented a series of rate hikes, pushing the federal funds target range to 5.25-5.5 percent by year-end. This aggressive monetary tightening was aimed at combating rising inflation, and its effects rippled through various lending rates, including the prime rate. Long-term investment outlook While short-term rates have risen, long-term investment yields have also seen changes. The 10-year U.S. Treasury bond, a benchmark for long-term interest rates, showed an average market yield of **** percent in the second quarter of 2024, adjusted for constant maturity and inflation. This figure represents a recovery from negative real returns seen in 2021, reflecting shifting expectations for economic growth and inflation. The evolving yield environment has implications for both borrowers and investors, influencing decisions across the financial landscape.

Graph and download economic data for Bank Prime Loan Rate (RIFSPBLPND) from 1955-08-04 to 2025-07-10 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

The benchmark interest rate in the United States was last recorded at 4.50 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Graph and download economic data for Bank Prime Loan Rate (DPRIME) from 1955-08-04 to 2025-06-26 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

The interest rate of business loans to small and medium enterprises (SMEs) in the United States in 2022 was lower than the average for all firms, which amounted to **** percent. However, the cost of lending money to SMEs was more expensive than to large firms between 2007 and 2019. The cost of lending decreased significantly for all types of businesses in 2020 and 2021.

Commercial bank interest rates on personal loans with a maturity of 24 months in the United States were significantly higher in February 2024 than a year earlier. That month, that finance rate amounted to ***** percent. Since the year 2000, there have only been a few occasions in which the finance rate was ** percent or higher.

Forecast: Bank Lending Interest Rate in the US 2022 - 2026 Discover more data with ReportLinker!

United States US: Real Interest Rate data was reported at 2.208 % pa in 2016. This records an increase from the previous number of 2.152 % pa for 2015. United States US: Real Interest Rate data is updated yearly, averaging 3.162 % pa from Dec 1961 (Median) to 2016, with 56 observations. The data reached an all-time high of 8.720 % pa in 1981 and a record low of -1.280 % pa in 1975. United States US: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

The average for 2023 based on 7 countries was 29.25 percent. The highest value was in Argentina: 97.02 percent and the lowest value was in Guyana: 8.38 percent. The indicator is available from 1960 to 2023. Below is a chart for all countries where data are available.

The International Bank for Reconstruction and Development (IBRD) loans are public and publicly guaranteed debt extended by the World Bank Group. IBRD loans are made to, or guaranteed by, countries that are members of IBRD. IBRD may also make loans to IFC. IBRD lends at market rates. Data are in U.S. dollars calculated using historical rates. This dataset contains the latest available snapshot of the Statement of Loans. The World Bank complies with all sanctions applicable to World Bank transactions.

Argentina and Brazil were the countries in Latin America with the highest average lending interest rates in 2024, at **** and **** percent respectively. The terms and conditions of those loans can be quite different in each country, which reduces the comparability of these figures. Nevertheless, the interest rates in most Latin American countries were much lower.

Graph and download economic data for Finance Rate on Personal Loans at Commercial Banks, 24 Month Loan from Feb 1972 to May 2025 about financing, consumer credit, loans, personal, consumer, interest rate, banks, interest, depository institutions, rate, and USA.

The USA: Bank lending-deposit interest rate spread : The latest value from is interest rate points, unavailable from interest rate points in . In comparison, the world average is 0.00 interest rate points, based on data from countries. Historically, the average for the USA from to is interest rate points. The minimum value, interest rate points, was reached in while the maximum of interest rate points was recorded in .

The loans for used cars generally had higher interest rates than loans for new cars in the United States in 2025. In March of that year, loans with maturity of 48 months had an average interest rate of **** percent for used cars, and *** percent for new cars. The interest rates for 60-month new car loans reached its highest point of the past decade in the first half of 2024.

United States US: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data was reported at 3.186 % pa in 2016. This records a decrease from the previous number of 3.201 % pa for 2015. United States US: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data is updated yearly, averaging 2.868 % pa from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 4.793 % pa in 1981 and a record low of 0.587 % pa in 1965. United States US: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Interest Rates. Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the 'risk free' treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics database.; ;