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The percentage of respondents who borrowed any money in the past 12 months from any of the following sources: a formal financial institution, a store by using installment credit, family or friends, employer, or another private lender (% age 15+). (Note that getting a loan does not necessarily require having an account.)
As of 2021, Canada ranks first with 86.13%, followed by Iceland (85.30%) and Israel (83.04%).
The top two are virtually level: Canada and Iceland differ by less than 1%.
Across 119 countries and territories, values run from 86.13% (Canada) to 25.38% (Lithuania), with a median of 48.95%.
By region, the top 10 is made up of 3 from Asia, 2 from Africa, 2 from the Americas, 2 from Europe and 1 from Oceania.
Source: World Bank Open Data — Loan in the past year (% age 15+), 2021. Unit: %.
Source: World Bank Open Data — Loan in the past year (% age 15+) · CC BY 4.0 · fetched Oct 17, 2026