
05/08/2025
A growing number of Austrians are relying on consumer loans to cover significant or unexpected expenses, according to a new 2025 survey on household fixed costs conducted by Bilendi on behalf of the online comparison platform durchblicker.at.
The study reveals that nearly 40% of Austrians would be unable to afford large unplanned purchases—such as used cars or new furniture—without taking out a loan. One in four respondents is currently repaying one or more instalment loans.
"From our consultations and rising loan sign-ups, it’s clear that consumer credit is increasingly used as a financial stopgap,” said Martin Spona, managing director of durchblicker.at. “However, taking on instalment loans adds to households’ already growing fixed costs.”
Monthly repayments place considerable strain on household finances. Around half of those with loans pay over €370 per month, while nearly one in five faces monthly instalments exceeding €900.
Given Austria’s median gross salary of €55,000 annually, these repayments represent a substantial financial burden. About 25% of respondents admit they frequently struggle to meet their loan obligations, especially with rising interest rates.
Even borrowers with excellent creditworthiness are not spared. For a typical used car loan with a six-year term, the average effective annual interest rate stands at 6.46%, adding €5,496 in interest to the loan’s total cost. Some lenders charge as much as 8.44%, which increases the total to €7,310—over €1,800 more.
“A high interest rate can significantly inflate monthly repayments,” Spona noted. “That’s why interest rates are the most critical factor for borrowers trying to minimise pressure on their budgets.”
He strongly advises comparing multiple offers using independent comparison tools. “A look at platforms like durchblicker.at can help find the right loan among the wide range of offers.”