France 3-month average effective rate: consumer loans up to EUR 3,000
France 3-month average effective rate: consumer loans up to EUR 3,000 stood at 17.7% in Q3 2026, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Usury rates table (Value · Quarterly), with a complete series running from Q1 2013 to Q3 2026. The complete series with an interactive chart, free to download.
This indicator in the Usury rates table
| Indicator | Q3-2026 | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Average effective rates over the previous three months | |||||||||||
| Consumer loans to individuals up to EUR 3,000 | 17.7 | 17.65 | 17.64 | 17.67 | 17.62 | 17.54 | 17.43 | 17.2 | 17.03 | 16.87 | |
| Consumer loans to individuals of EUR 3,000 to 6,000 | 11.82 | 11.75 | 11.8 | 11.9 | 11.78 | 11.84 | 11.75 | 11.37 | 10.94 | 10.4 |
Understanding france 3-month average effective rate: consumer loans up to EUR 3,000
This dataset tracks the mean cost of small consumer credit agreements up to three thousand euros issued to households. The figures aggregate all borrowing costs, including nominal interest and mandatory ancillary charges, calculated over a rolling window. Unlike larger credit categories, this segment captures micro-borrowing where processing fees heavily distort the final percentage rate. Professional revolving facilities and corporate borrowing remain entirely excluded from this specific aggregation.
Interpreting these metrics requires caution regarding seasonal spikes in retail spending and regulatory adjustments to the underlying legal ceilings. Analysts should compare consecutive quarters rather than distant periods to observe genuine shifts in retail lending conditions. Mixing these findings with collateralized mortgage metrics will mislead researchers, given the vastly different risk profiles and durations involved.
Frequently asked questions
- What exact borrowing products fall into this micro-credit grouping?
- Personal cash advances and installment facilities where the principal amount stays below three thousand euros.
- Are administrative fees included in this effective rate calculation?
- Yes, mandatory application and processing fees levied by the lender form part of the final annual percentage rate.
- Why does this tier show higher average rates than larger consumer brackets?
- Fixed administrative costs represent a much larger share of the total principal for micro-loans, pushing the percentage higher.