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Average quoted consumer credit interest rates in the United Kingdom (UK) from 2019 to 2025, by type of credit

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Sources

Release date

February 2026

Region

United Kingdom

Survey time period

2019 to 2025

Supplementary notes

*Representative measure of the credit card interest rates calculated by the Bank of England.


Annual averages calculated by ÌÇÐÄÆƽâ°æ using the monthly data from the Bank of England.

Citation formats

Average consumer credit interest rate in the UK 2019-2025, by type

Published by ÌÇÐÄÆƽâ°æ Research Department, Jul 27, 2026

The interest rates of most types of personal loans in the United Kingdom (UK) have increased slightly in 2024. However, the interest rates applied to personal loans of 3,000 British pounds were slightly lower than in the previous year, amounting to percent in 2025. Smaller personal loans had, in general, higher interest rates than bigger loans.

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Statistics on " Consumer lending in the United Kingdom (UK) "

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Other statistics that may interest you Consumer lending in the United Kingdom (UK)

Outstanding loans

5

Interest rates

5

Largest lenders in the UK

8

Non-performing loans and write-offs

3

New loans

4

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Topics

Consumer lending in the UKCredit cards in the United StatesPersonal savings in the United StatesMortgage industry in the U.S.Personal debt in the U.S.
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