Italy personal loan interest rates rise to 8.49% in Q3 2026

In the third quarter of 2026, interest rates for personal loans in Italy have continued an upward trend. According to data from the Segugio.it Financing Observatory, the average APR (TAEG) for personal loans in July and August reached 8.49%, representing a 9 basis point increase compared to the previous quarter.

Other financing types also showed varied trends. Interest rates for salary-backed loans (cessione del quinto) for private employees rose from a previous average of 6.85% to 7.12%. Conversely, rates for public employees remained stable at an average of 5.73%, while rates for retirees saw a decrease of approximately 30 basis points, falling from 7.93% to 7.61%.

Nicoletta Papucci, spokesperson for MutuiOnline.it, advised consumers to compare different market products rather than accepting the first available offer, noting the significant cost differences between personal loans and salary-backed loans.