The Bank of Portugal published an October 2025 statistical note and opened a new BPstat subdomain dedicated to consumer credit, providing monthly data on personal credit, auto credit and revolving credit granted by banks and other financial institutions to individuals in Portugal for non-commercial purposes. The release consolidates, in one access point, indicators on new lending and outstanding credit, alongside the cost of credit at origination. For October, 157,000 new consumer credit contracts were signed for a total of EUR 855 million. Revolving credit was, on average, the most expensive product with an annual percentage rate of charge (TAEG) of 17.9%, compared with 12.0% for personal credit and 10.4% for auto credit, while credit intermediaries accounted for 82% of new auto credit. The subdomain also publishes 12‑month rolling growth rates, breakdowns by fixed or mixed versus variable rates and distribution metrics, and reports that end-October outstanding consumer credit totalled 6.3 million live contracts worth EUR 23.7 billion, with revolving credit at 3.7 million contracts and EUR 4.0 billion and a utilisation rate of 27.05% of available limits; it also notes these indicators follow the legal definition of consumer credit and are not directly comparable with certain other BPstat credit statistics.
Bank of Portugal 2025-12-03
Bank of Portugal launches BPstat consumer credit subdomain with monthly statistics on personal auto and revolving credit
The Bank of Portugal released an October 2025 statistical note and launched a BPstat subdomain focused on consumer credit, offering monthly data on personal, auto, and revolving credit. In October, 157,000 new consumer credit contracts were signed, totaling EUR 855 million, with revolving credit being the most expensive at a 17.9% annual percentage rate. The subdomain also provides detailed metrics, including 12-month growth rates and credit distribution, with outstanding consumer credit at EUR 23.7 billion across 6.3 million contracts.