France effective rate on consumer loans over EUR 6,000
France effective rate on consumer loans over EUR 6,000 stood at 6.42% 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 over EUR 6,000 | 6.42 | 6.42 | 6.46 | 6.5 | 6.55 | 6.52 | 6.47 | 6.38 | 6.22 | 6 | |
| Fixed-rate home loans to individuals, under 10 years | 3.07 | 3.05 | 3 | 3.09 | 3.17 | 3.24 | 3.38 | 3.46 | 3.47 | 3.45 |
Understanding france effective rate on consumer loans over EUR 6,000
This metric evaluates the average effective cost associated with large consumer financing agreements where the principal exceeds six thousand euros. The scope encompasses major personal installment loans and vehicle financing arrangements extended to private individuals, excluding all residential property mortgages and commercial enterprise debt. Ancillary costs required to secure the financing are bundled alongside the underlying nominal interest rate.
Analysts should observe consecutive quarterly movements to identify shifting monetary conditions without distortion from holiday spending cycles. Revisions to early estimates occur infrequently but can happen if reporting institutions submit corrected portfolio data. Direct comparisons with smaller credit brackets are unhelpful because larger sums command different risk premiums and structural terms.
Frequently asked questions
- What differentiates this series from the smaller consumer loan tiers?
- The principal balance exceeds six thousand euros, which typically alters the applicable risk weighting and administrative fee structure.
- Are automobile financing contracts included in this category?
- Yes, car loans granted to individuals that surpass the monetary threshold are fully captured here.
- Does this series track loans with variable interest rates?
- It aggregates both fixed and variable consumer contracts that meet the principal size criterion.