Study Reveals an 8.9% Global Decrease in Credit Sentiment Score in 2021, With Sweden, the US, and Hungary Experiencing the Most Significant Drops

The Finance Barometer is the first of its kind global credit sentiment study. The study has collected 16,530 unique votes from 26 countries, and its latest report will be published on July 27. The report contains 7 interactive charts that compare credit sentiment data for 2020 and 2021.

2020 - 2021 Change in Credit Sentiment

The Finance Barometer report series was created to collect, compare, and present worldwide primary credit sentiment data and time trends. The 2021 report will be published on July 27 by Limited, revealing several significant findings, as presented below:

Key Findings

  • The global credit sentiment score decreased by 8.9% in 2021.
  • Global pessimistic voters increased from 38.8% to 45.2%, while global optimistic voters shrunk from 40% to 32.2%.
  • U.S. respondents remained among the most optimistic, despite having the second-largest decrease in sentiment score (-22%) since 2020.
  • Ukrainian respondents were the most pessimistic group in the study for the second year in the row, with 66% expressing a negative credit sentiment.
  • Sweden had the most significant decrease in credit sentiment (-26.5%) and is now the 3rd most pessimistic country in our study.
  • The most optimistic voters are from Indonesia, Georgia, Bulgaria, Russia, Estonia, the USA, Netherlands, and Germany.
  • The most pessimistic voters are from Hungary, Sweden, Poland, Spain, Slovakia, Latvia, Brazil, and Czechia.

Read the 2021 report here:

Data Collection Process

All primary data has been collected via polls placed in financial product comparison pages, written in national language(s) across the 26 markets/countries operates in.

The polls have been active from January 1st, 2021, to June 30th, 2021, and June 1st, 2020, to November 30th, 2020.

The countries included in the study are the United States (U.S.), Brazil (BR), Mexico (MX), Georgia (GE), Russia (RU), Indonesia (ID), Kazakhstan (KZ), Sweden (SE), Finland (FI), Poland (PL), Spain(ES), Denmark(DK), Estonia (EE), Netherlands (NL), Czech (CZ), Norway (NO), Germany (DE), France (FR), Lithuania (LT), Bulgaria (BG), Hungary (HU), Ukraine (UA), Italy (IT), Romania (RO), Latvia (LV), and Slovakia (SK).

The latest study contains seven interactive charts that compare credit sentiment data for 2020 and 2021.


In 2021, we observed a statistically significant global -8.9% decrease in credit sentiment scores. Pessimistic voters increased from 38.8% to 45.2%, while optimistic voters shrunk from 40% to 32.2%.

Polarizing votes remained very popular in 2021, with standard deviation remaining at high levels, both indicating a strong opinion division within and across nations.

Read the complete Finance Barometer 2021 report here

Press Contacts

George Chrysochou

Chief Economist & CMO Limited

Ruby Willow

Global Content Manager Limited

Source: Limited


Categories: Business Finance

Tags: analysis, credit, data, debt, finance, loan, polls, report, research, sentiment, statistics, study

About Limited

View Website is a leading personal finance site that offers localized financial product comparisons, reviews, reports, and guides across 26 countries. We work with more than 2185 financial institutions, serving appx 1.5 million users monthly.

George Chrysochou
George Chrysochou
CMO & Chief Economist, Limited