Thailand's lending interest rate (%) was 4.99% in 2025, the latest year in the World Bank's World Development Indicators. That is up 0.26 percentage points from 4.73% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 4.99% | 2025 |
| Five years earlier | 3.29% | 2020 |
| Ten years earlier | 4.73% | 2015 |
| Highest | 17.21% | 1981 |
| Lowest | 3.06% | 2021 |
| Average since 2016 | 4.04% | 2016–2025 |
| First recorded | 11.04% | 1976 |
What the numbers say
In 2025, Thailand's lending interest rate (%) rose 0.47 percentage points on 2024 (from 4.51% to 4.99%).
Across the 30 yearly changes before that (1992 to 2024), the average change was −0.27 percentage points and a typical year strayed about 1.36 percentage points from that (the standard deviation). This year's change was 0.5 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 3.19 percentage points in 1980 and the biggest yearly fall was 5.44 percentage points in 1999. 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 1% 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, Thailand had the 65th 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 Thailand in the 2025 ranking
- North Macedonia — 62nd of 75: 5.42%
- Hong Kong SAR, China — 63rd of 75: 5.18%
- Kuwait — 64th of 75: 5.03%
- Malaysia — 66th of 75: 4.82%
- Qatar — 67th of 75: 4.75%
- Czechia — 68th of 75: 4.67%
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 48 values
| Year | Lending interest rate (%) |
|---|---|
| 2025 | 4.99 |
| 2024 | 4.51 |
| 2023 | 4.29 |
| 2022 | 3.14 |
| 2021 | 3.06 |
| 2020 | 3.29 |
| 2019 | 4.08 |
| 2018 | 4.15 |
| 2017 | 4.42 |
| 2016 | 4.47 |
| 2015 |
Lending interest rate (%) in nearby economies
- Australia — 5.1% (2019)
- Brunei Darussalam — 5.5% (2025)
- China — 4.35% (2024)
- Fiji — 4.56% (2024)
- Hong Kong SAR, China — 5.18% (2025)
- Indonesia — 8.5% (2025)
- Japan — 0.99% (2017)
- Korea, Rep. — 4.19% (2025)
- Macao SAR, China — 5.45% (2025)
- Malaysia — 4.82% (2025)
- Micronesia, Fed. Sts. — 12.62% (2021)
More financial sector data for Thailand
- Domestic credit to private sector by banks (% of GDP) — 111.79% (2025)
- Net domestic credit (current LCU) — 27.91 trillion (2025)
- Net foreign assets (current LCU) — 9.51 trillion (2025)
- Monetary sector credit to private sector (% of GDP) — 111.81% (2025)
- Consumer price index (2010 = 100) — 122.4 (2025)
- Inflation, consumer prices (annual % growth) — -0.13% (2025)
- Claims on central government, etc. (% of GDP) — 46.57% (2025)
- GDP deflator (base year varies by country) — 164.62 (2025)
- DEC alternative conversion factor (LCU per US$) — US$32.88 (2025)
Reading data like this
Questions people ask
- What is Thailand's lending interest rate (%)?
- 4.99% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1976?
- It is down 6.05 percentage points from 11.04% in 1976. The highest value was 17.21% in 1981 and the lowest 3.06% in 2021.
- How does Thailand rank?
- 65th highest of 75 economies with data for 2025.
- Is the latest change in lending interest rate (%) unusual for Thailand?
- In 2025, Thailand's lending interest rate (%) rose 0.47 percentage points on 2024 (from 4.51% to 4.99%). Across the 30 yearly changes before that (1992 to 2024), the average change was −0.27 percentage points and a typical year strayed about 1.36 percentage points from that (the standard deviation). This year's change was 0.5 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.
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