Romania Lending Rate
Lending interest rate FR.INR.LEND
Romania's lending rate was 10.07% in 2025, ranked 44th globally. This represents a 14.9% increase from 2024. Data from World Bank, covering 1993–2025.
Overview
Romania's lending rate stood at 10.07% in 2025, a rise of +1.30pp from 2024. Based on recent trends, this figure is projected to reach 10.07% by 2025. Romania ranked 44th globally.
Romania's lending rate has experienced significant fluctuations over the past three decades. Capped at 10.07% in 2025, the rate remains among the highest globally, ranking 44th. Notably, the lending rate peaked at 90.39% in 1994, a tumultuous period in Romania's economic transition following the collapse of communism. Conversely, the rate hit its lowest point in 2017, reaching 5.56%, a period of relative economic stability. In comparison, Nicaragua's lending rate of 10.14% in 2025 is the closest among peer countries. The rate's volatility has been a hallmark of Romania's economic landscape, with lending rates often serving as a barometer for the country's economic health. A sustained period of economic growth and increased foreign investment could potentially lead to a decrease in the lending rate, as banks become more inclined to lend at lower interest rates, thereby reducing borrowing costs for consumers and businesses.
Data & projection
| Year | Lending Rate | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 11.72% | - | - |
| 2026* trend | 10.89% | - | - |
| 2025* trend | 10.07% | - | - |
| 2025 | 10.07% | +1.30pp | #44 |
| 2024 | 8.76% | −0.56pp | #39 |
| 2023 | 9.32% | +1.56pp | #44 |
| 2022 | 7.76% | +2.14pp | #38 |
| 2021 | 5.61% | −0.87pp | #30 |
| 2020 | 6.49% | −0.68pp | #31 |
| 2019 | 7.16% | +0.35pp | #36 |
| 2018 | 6.81% | +1.24pp | #36 |
| 2017 | 5.56% | −0.14pp | #34 |
| 2016 | 5.71% | −1.06pp | #37 |
| 2015 | 6.77% | −1.70pp | #40 |
| 2014 | 8.47% | −2.06pp | #53 |
| 2013 | 10.52% | −0.81pp | #80 |
| 2012 | 11.33% | −0.80pp | #80 |
| 2011 | 12.13% | −1.95pp | #84 |
Detected Pattern
Analysis
Romania matched the Fiscal Dominance Trap pattern in 2023. Historically, 72% of countries showing this pattern (278 out of 386) saw lending rate improve within 24 months. View full analysis →
Frequently Asked Questions
Romania's lending rate was 10.07% in 2025. Ranked 44th globally. This represents a 14.9% increase from the previous year.
Romania's lending rate peaked at 90.39% in 1994.
The lowest lending rate in Romania was 5.56% in 2017.
Romania ranks 44th globally in lending rate as of 2025.
The World Bank indicator code is FR.INR.LEND. Data sourced from World Bank.
Romania's lending rate is projected to reach 10.07% by 2025 based on trend extrapolation.
The lending rate of Romania in 2025 was 10.07%. This ranks 44th in the world.
Cite this page
@misc{historysaid_romania_lending-rate,
title = {Romania Lending Rate},
url = {https://historysaid.com/romania/lending-rate/},
publisher = {HistorySaid},
year = {2026}
}