The Superfinanciera published the usury rate and the Current Bank Interest rates for loans of different modalities for January 2026. According to reports, the usury rate was 24.36% effective annually. So, it would be a decrease in interest for consumer loans and ordinary loans that are in force during January 2026, a fact that impacts millions of Colombians.
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Let us remember that the usury rate is the legal limit of interest that banking entities can charge on loans. Compared to December, The usury rate fell by 0.66 percentage points. In this sense, purchases made with credit cards next month will be cheaper than those made in December.
How much were the low-amount credit rates?
In addition, the Superfinanciera also defined the annual effective rates by credit type. Reviewing the information reported by credit establishments between the cut-off weeks of November 28 to December 19, 2025, the financial institution determined that Ordinary consumer credit remained at 16.24% annual effective, which represents a decrease of 44 percentage points compared to the month of December.
In addition, it confirmed the following rates:
- Productive credit of a larger amount: 26,80%
- Rural productive credit: 18,65%
- Urban productive credit: 38,49%
- Rural productive popular credit: 50,88%
- Urban productive popular credit: 59,83%