Brazil's lending interest rate (%) was 45.33% in 2025, the latest year in the World Bank's World Development Indicators. That is up 1.38 percentage points from 43.96% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 45.33% | 2025 |
| Five years earlier | 29.04% | 2020 |
| Ten years earlier | 43.96% | 2015 |
| Highest | 86.36% | 1998 |
| Lowest | 27.39% | 2013 |
| Average since 2016 | 40.32% | 2016–2025 |
| First recorded | 78.19% | 1997 |
What the numbers say
In 2025, Brazil's lending interest rate (%) rose 5.11 percentage points on 2024 (from 40.23% to 45.33%).
Across the 27 yearly changes before that (1998 to 2024), the average change was −1.41 percentage points and a typical year strayed about 7.78 percentage points from that (the standard deviation). This year's change was 0.8 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 11.95 percentage points in 2015 and the biggest yearly fall was 23.61 percentage points in 2000. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 there is no clear straight-line trend: a straight line explains 4% of the movement over 10 observed years, so the value is moving around more than it is heading anywhere.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
How it compares
In 2025, Brazil had the 4th highest value of the 75 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
Closest to Brazil in the 2025 ranking
- Madagascar — 1st of 75: 60%
- Zimbabwe — 2nd of 75: 46.36%
- Argentina — 3rd of 75: 46.02%
- Congo, Dem. Rep. — 5th of 75: 24.11%
- Gambia, The — 6th of 75: 22%
- Sierra Leone — 7th of 75: 21.44%
What this measures
Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
Limitations: Countries use a variety of reporting formats, sample designs, interest compounding formulas, averaging methods, and data presentations for indices and other data series on interest rates. The IMF's Monetary and Financial Statistics Manual does not provide guidelines beyond the general recommendation that such data should reflect market prices and effective (rather than nominal) interest rates and should be representative of the financial assets and markets to be covered. For more information, please see http://www.imf.org/external/pubs/ft/mfs/manual/index.htm.
All 29 values
| Year | Lending interest rate (%) |
|---|---|
| 2025 | 45.33 |
| 2024 | 40.23 |
| 2023 | 43.6 |
| 2022 | 39.4 |
| 2021 | 30.02 |
| 2020 | 29.04 |
| 2019 | 37.48 |
| 2018 | 39.08 |
| 2017 | 46.92 |
| 2016 | 52.1 |
| 2015 |
Lending interest rate (%) in nearby economies
- Antigua and Barbuda — 6.39% (2025)
- Argentina — 46.02% (2025)
- Aruba — 5.8% (2023)
- Bahamas, The — 4.25% (2025)
- Barbados — 8.05% (2022)
- Belize — 8.48% (2025)
- Bolivia — 10.19% (2025)
- Chile — 4.18% (2018)
- Colombia — 14.31% (2025)
- Costa Rica — 6.88% (2025)
- Dominica — 5.77% (2025)
- Dominican Republic
More financial sector data for Brazil
- Domestic credit to private sector by banks (% of GDP) — 75.1% (2025)
- Net foreign assets (current LCU) — 1.26 trillion (2025)
- Broad money (current LCU) — 15.11 trillion (2025)
- Broad money (% of GDP) — 118.58% (2025)
- Broad money to total reserves ratio — 7.54 (2025)
- GDP deflator (base year varies by country) — 269.14 (2025)
- DEC alternative conversion factor (LCU per US$) — US$5.59 (2025)
- Official exchange rate (LCU per US$, period average) — US$5.59 (2025)
- Broad money (annual % growth) — 10.18% (2025)
- Inflation, GDP deflator (annual % growth)
Reading data like this
Questions people ask
- What is Brazil's lending interest rate (%)?
- 45.33% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1997?
- It is down 32.86 percentage points from 78.19% in 1997. The highest value was 86.36% in 1998 and the lowest 27.39% in 2013.
- How does Brazil rank?
- 4th highest of 75 economies with data for 2025.
- Is the latest change in lending interest rate (%) unusual for Brazil?
- In 2025, Brazil's lending interest rate (%) rose 5.11 percentage points on 2024 (from 40.23% to 45.33%). Across the 27 yearly changes before that (1998 to 2024), the average change was −1.41 percentage points and a typical year strayed about 7.78 percentage points from that (the standard deviation). This year's change was 0.8 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
Source
World Bank, World Development Indicators, indicator FR.INR.LEND, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
Want to ask your own questions of data like this? Try AnalyzeIt: upload a file or ask about public data in plain words, and every figure comes with its working.
Legal entity
Devansh Yadav
Moradabad, Uttar Pradesh
Governing law: Courts at Moradabad, Uttar Pradesh
Phone: +91 8433475698
Legal: legal@analyzeit.in