Business & Markets · Lending interest rate · Algeria
Algeria’s lending interest rate held at 8% in 2025.
8%
2025
No change from 2024.
Updated 8 Oct 2026
In plain words
8%
What it is. The lending interest rate is the price banks charge on loans that usually meet the short and medium-term financing needs of the private sector. It condenses the borrowing terms of many different loans into one headline rate, so individual loans priced above or below it are folded into a single figure. Fees, collateral requirements and the risk profile of each borrower sit outside the number.
Neither way is good in itself. A higher lending rate makes credit dearer for firms and households and improves returns for banks, while a lower rate does the reverse, which is why the direction carries no verdict on its own. The latest figure is 8% in January 2025, the same 8% as a year earlier, a change of 0 percentage points. Since 2016 the lowest and the highest readings are both 8%, so the rate has stayed at one level across the whole span.
Why it matters. A business in Algeria borrowing for working capital or equipment meets a headline rate of 8% in January 2025, the same as in January 2024. That steadiness lets firms and households plan repayments around a rate that has held at 8% since 2016. For the state, a rate fixed for so long means the price of private credit has stayed constant across the period.
| Period | Lending interest rate · Algeria |
|---|---|
| 2016 | 8% |
| 2017 | 8% |
| 2018 | 8% |
| 2019 | 8% |
| 2020 | 8% |
| 2021 | 8% |
| 2022 | 8% |
| 2023 | 8% |
| 2024 | 8% |
| 2025 | 8% |
Source: World Bank, World Development Indicators (CC BY 4.0) · Licence: CC BY 4.0
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Strata-AF™ Data, Lending interest rate, Algeria, 2025; source World Bank, World Development Indicators (CC BY 4.0), retrieved 8 Oct 2026; https://data.strata-af.com/business/lending-rate/algeria
Data insights · Worked out from the published figures
What this means
Working this out from the published figures…
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Methodology
Bank rate that usually meets the short- and medium-term financing needs of the private sector. Unit: %.
Source: World Bank, World Development Indicators (series FR.INR.LEND), retrieved through the World Bank API and published under CC BY 4.0. Updated annually; the World Bank's own source notes apply.