Lombardy personal loan rates rise amid regional demographic shifts

Data from the Segugio.it Financing Observatory reveals shifting trends in the personal loan market across Lombardy during the third quarter of 2026. Interest rates are on the rise, with the average TAEG in the region reaching 8.49%, an increase of 9 basis points from the previous quarter. This trend reverses the improvement in financing conditions seen throughout 2025.

Regional demographics and loan amounts vary significantly by province. Lodi recorded the lowest average loan request in Lombardy at 9,308 euros, while Cremona saw the highest at 12,773 euros. Lodi also has the youngest average borrower age at 41 years and 5 months. Conversely, Pavia has the highest average age for loan applicants in the region at 45 years and 1 month.

In terms of loan purposes across the region, liquidity is the primary driver at 38.5%, followed by used car purchases (18.6%), debt consolidation (16.3%), and home restructuring (10.2%). While costs for private sector employee loans rose to an average TAEG of 7.12%, rates for public employees remained stable at 5.73%, and rates for pensioners saw a slight decrease to 7.61%.