Lending interest rate in the United States in 2021 — 3.25%. Ranked 10 in the world out of 109. Since 1960, the indicator has fallen by 1.57 pp.
1960–2021 · % per annum
| Year | % | Change, pp |
|---|---|---|
| 2021 | 3.25 | −0.29 pp |
| 2020 | 3.54 | −1.74 pp |
| 2019 | 5.28 | +0.38 pp |
| 2018 | 4.9 | +0.81 pp |
| 2017 | 4.1 | +0.59 pp |
| 2016 | 3.51 | +0.25 pp |
| 2015 | 3.26 | +0.01 pp |
| 2014 | 3.25 | +0 pp |
| 2013 | 3.25 | +0 pp |
| 2012 | 3.25 | +0 pp |
| 2011 | 3.25 | +0 pp |
| 2010 | 3.25 | +0 pp |
| 2009 | 3.25 | −1.84 pp |
| 2008 | 5.09 | −2.96 pp |
| 2007 | 8.05 | +0.09 pp |
| 2006 | 7.96 | +1.77 pp |
| 2005 | 6.19 | +1.85 pp |
| 2004 | 4.34 | +0.22 pp |
| 2003 | 4.12 | −0.55 pp |
| 2002 | 4.68 | −2.25 pp |
| 2001 | 6.92 | −2.31 pp |
| 2000 | 9.23 | +1.24 pp |
| 1999 | 7.99 | −0.36 pp |
| 1998 | 8.35 | −0.09 pp |
| 1997 | 8.44 | +0.17 pp |
| 1996 | 8.27 | −0.56 pp |
| 1995 | 8.83 | +1.69 pp |
| 1994 | 7.14 | +1.14 pp |
| 1993 | 6 | −0.25 pp |
| 1992 | 6.25 | −2.21 pp |
| 1991 | 8.46 | −1.55 pp |
| 1990 | 10.01 | −0.86 pp |
| 1989 | 10.87 | +1.56 pp |
| 1988 | 9.32 | +1.11 pp |
| 1987 | 8.2 | −0.13 pp |
| 1986 | 8.33 | −1.6 pp |
| 1985 | 9.93 | −2.11 pp |
| 1984 | 12.04 | +1.25 pp |
| 1983 | 10.79 | −4.07 pp |
| 1982 | 14.86 | −4.01 pp |
| 1981 | 18.87 | +3.6 pp |
| 1980 | 15.27 | +2.6 pp |
| 1979 | 12.67 | +3.61 pp |
| 1978 | 9.06 | +2.23 pp |
| 1977 | 6.82 | −0.02 pp |
| 1976 | 6.84 | −1.02 pp |
| 1975 | 7.86 | −2.94 pp |
| 1974 | 10.8 | +2.78 pp |
| 1973 | 8.02 | +2.77 pp |
| 1972 | 5.25 | −0.48 pp |
| 1971 | 5.72 | −2.19 pp |
| 1970 | 7.91 | −0.04 pp |
| 1969 | 7.95 | +1.64 pp |
| 1968 | 6.31 | +0.68 pp |
| 1967 | 5.63 | +0.01 pp |
| 1966 | 5.63 | +1.09 pp |
| 1965 | 4.54 | +0.04 pp |
| 1964 | 4.5 | +0 pp |
| 1963 | 4.5 | +0 pp |
| 1962 | 4.5 | +0 pp |
| 1961 | 4.5 | −0.32 pp |
| 1960 | 4.82 | — |
The average rate at which banks extend short- and medium-term credit to the private sector. The methodology differs across countries — different maturities, types of borrower, collateral — so levels are not strictly comparable; the movement within a country, on the other hand, is telling and tracks the decisions of the central bank closely.
Important: There are no aggregates for country groups: rates can only be averaged by the volume of credit, and we have no such series. The difference between the lending and the deposit rate is the interest spread, an indirect measure of the efficiency of a banking system.
Source: World Economic Outlook (IMF), license IMF open data.
