Latest annual growth of household & business credit
API · /creditgrowth-api
Euro Area Credit Growth & Credit Impulse API
healthy
3,063 Subscribers
How fast bank lending to the real economy is expanding, and whether it is accelerating or slowing, read live from the European Central Bank's public Data Portal — no key, nothing stored. Where bank rates are the price of credit, this is the quantity: the annual growth of the loans euro-area banks (MFIs) actually extend to households — total, for house purchase, and for consumption — and to non-financial corporations (businesses). Credit growth is one of the most-watched macro signals because credit booms and busts lead the business cycle and, with a lag, inflation. The growth endpoint returns the latest annual growth rate of each lending category with its reference month and month-on-month change. The impulse endpoint returns the credit impulse — the change in the growth rate over the last six and twelve months — a leading read on whether the credit cycle is turning up (acceleration) or rolling over (deceleration). The series endpoint returns the recent monthly history of any one indicator. This is the euro-area credit-cycle / lending-volume macro cut — distinct from the bank-rate (price of credit), money-supply, policy-rate, yield-curve and FX APIs in the catalogue. All series are euro-area (U2), monthly, annual-growth percent.
api.oanor.com/creditgrowth-api
API health
healthy- Uptime
- 100.00%
- Server probes · 24h
- Avg latency
- 333 ms
- Server probes · 24h
- Subscribers
- 3,063
- active
- Total calls
- 72
- last 7 days
Pricing
Pick a tier — billed monthly, cancel anytime.
Free
Free
- 600 calls / month
- 2 requests / second
- Hard cap (429 above quota, no overage)
- 600 calls/month
- 2 req/sec
- Growth + impulse + series
- No credit card
Starter
€9.44 /month
- 16,500 calls / month
- 6 requests / second
- Hard cap (429 above quota, no overage)
- 16,500 calls/month
- 6 req/sec
- Household & business credit
- Email support
Pro
€28.88 /month
- 85,000 calls / month
- 16 requests / second
- Hard cap (429 above quota, no overage)
- 85,000 calls/month
- 16 req/sec
- Credit-cycle dashboards
- Priority support
Business
€67.60 /month
- 440,000 calls / month
- 40 requests / second
- Hard cap (429 above quota, no overage)
- 440,000 calls/month
- 40 req/sec
- Macro-desk scale
- Dedicated SLA
Built by
Related APIs
Other APIs with overlapping tags.
Euro Area Bank Rates & Money Supply API
The interest rates euro-area households and businesses actually pay, and how fast the money supply is growing, read live from the European Central Bank's public Data Portal — no key, nothing stored. Policy rates are the headline, but what reaches the real economy is the bank lending rate: the cost of a new mortgage, a consumer loan, a business loan, and the rate paid on deposits. The rates endpoint returns the latest euro-area readings for all of these (the ECB MIR "cost of borrowing" series), each with its value, the month it refers to, the month-on-month change and a plain-language label. The moneysupply endpoint returns the annual growth of M1, M2 and M3 — the monetary aggregates whose expansion or contraction leads inflation and the credit cycle. The series endpoint returns the recent monthly history of any one indicator. This is the euro-area bank-rate / monetary-aggregate macro cut — distinct from the ECB policy-rate, yield-curve and €STR APIs, the FX-rate APIs and the country-specific central-bank APIs in the catalogue. All series are euro-area (U2), monthly, in percent.
api.oanor.com/bankrates-api
FX History API
Live historical foreign-exchange rates and analytics from the European Central Bank's daily reference rates — no key, nothing cached. Get the daily rate of a currency pair over any date range; the absolute and percentage move between two dates with its high and low; min, max, average, volatility and the best and worst day over a range; and every rate on a specific date. An FX history-and-analytics layer, distinct from spot-conversion feeds — it turns the ECB rate archive into the time series, moves and volatility a trader or analyst studies. Around 30 currencies, weekdays, back to 1999.
api.oanor.com/fxhistory-api
Euro Short-Term Rate (€STR) API
Live euro short-term rate (€STR) data from the European Central Bank. The €STR is the euro area's overnight risk-free benchmark, computed daily by the ECB from the real unsecured borrowing of euro-area banks; it underpins euro derivatives and floating-rate contracts and is the successor to EONIA and a key reference alongside EURIBOR. The estr endpoint returns the latest rate plus its full daily statistics — the underlying borrowing volume, the number of reporting banks and transactions, the 25th and 75th rate percentiles and the share of the five largest banks. The policy endpoint returns the ECB key-rate corridor (deposit facility, main refinancing operations, marginal lending) and where €STR sits inside it. The history endpoint returns the €STR rate over recent days. Read live from the ECB, nothing stored. This is the euro overnight risk-free rate and ECB policy corridor — distinct from FX reference feeds, bond yield curves and money-market futures.
api.oanor.com/estr-api
European Central Bank API
Live official euro-area monetary data from the ECB Data Portal — no key, nothing cached. This is the money side of the euro, not exchange rates. The key-rates endpoint returns the ECB's three policy interest rates — the deposit facility rate, the main refinancing operations (MRO) rate and the marginal lending facility rate — the rates that set the price of money across the euro area, each with the date it took effect and recent history (deposit facility around 2.00%, MRO 2.15%). The estr endpoint returns €STR, the euro short-term rate, the overnight benchmark that replaced EONIA, with its recent path. The yield-curve endpoint returns the euro-area AAA-rated government bond spot-rate curve across maturities from 3 months to 30 years, with the 10-year-minus-1-year slope. Everything is the ECB's own published series. This is the euro-rates layer for any fixed-income, macro, forex or research app that needs authoritative European central-bank numbers. Live from the ECB, nothing stored. Distinct from exchange-rate APIs and from the Bank of Canada and US-Treasury APIs — this is the ECB's policy rates, €STR and euro yield curve. 4 endpoints.
api.oanor.com/ecb-api
Frequently asked questions
Quick answers about pricing, quotas, and integration.
How do I get an API key for Euro Area Credit Growth & Credit Impulse API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Euro Area Credit Growth & Credit Impulse API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Euro Area Credit Growth & Credit Impulse API?
Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.
How much does Euro Area Credit Growth & Credit Impulse API cost?
Euro Area Credit Growth & Credit Impulse API has a free tier with 100 calls / month. Paid plans start at €9.44 / month with higher quotas and faster rate limits.
Can I cancel my subscription anytime?
Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.
Is Euro Area Credit Growth & Credit Impulse API GDPR-compliant?
All requests to Euro Area Credit Growth & Credit Impulse API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.
Pick an endpoint from the list on the left to see its details and try it.
Code snippets
Sign up to get an API key, then call any path under your slug.
curl https://api.oanor.com/creditgrowth-api/SOME_PATH \
-H "x-oanor-key: oanor_test_..."const res = await fetch("https://api.oanor.com/creditgrowth-api/SOME_PATH", {
headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();$ch = curl_init("https://api.oanor.com/creditgrowth-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);import requests
r = requests.get(
"https://api.oanor.com/creditgrowth-api/SOME_PATH",
headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())Ratings
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