The Superfinanciera certified the usury rate for January 2026. In consumer loans it fell and remained at 24.36% current annual effective.
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The Financial Superintendence certified the rates that serve as the basis for calculating usury in Colombia during January 2026. For consumer and ordinary loans, the indicator registers a decrease compared to the previous month.
Lower the bank interest that defines usury
Based on the weekly information reported by credit establishments between November 28 and December 19, 2025, the Financial Superintendency issued the Resolution 2288 of 2025through which he certified the Current Bank Interest which governs between January 1 and 31, 2026.
For the consumer and ordinary credit modality, the current bank interest remained at 16.24% effective annualwhich represents a reduction of 44 basis points (0.44%) compared to the rate in force in December 2025, which was 16.68%.
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Usury rate for consumer loans
The current bank interest is the basis for calculating the maximum allowable value of remunerative and default interest, as well as for determining the usury rateas established in the Commercial Code and the Penal Code.
By January 2026, the usury rate on consumer and ordinary loans was certified in 24.36% effective annual.
Usury through other types of credit
The usury rates for the other modalities, calculated from current bank interest, will be the following during January 2026:
Low amount consumer credit: 68.85% effective annual
Productive credit of larger amount: 40.20% effective annual
Rural productive credit: 27.98% effective annual
Urban productive credit: 57.74% effective annual
Rural productive popular credit: 76.32% annual effective
Urban productive popular credit: 89.75% annual effective
These rates correspond to the maximum allowed limit that financial entities can charge without incurring usury, in accordance with current regulations.
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What is usury rate?
The usury rate is maximum interest limit that financial entities can charge for a loan in Colombia. This limit is calculated from the Current Bank Interestwhich is certified every month by the Financial Superintendency based on the rates actually charged by banks.
When a loan exceeds that limit, it is considered usury and constitutes conduct sanctioned by law. The rate applies to both remunerative and default interest and seeks to establish a legal framework that regulates the cost of credit for users of the financial system.
Source: Integrated Information System
