---
title: "Auto Loans 90+ Days Past Due"
slug: the-repo-line
summary: "Auto loan serious delinquency: 5.49% of balances 90+ days late, up from 4.99% a year earlier"
category: "Debt"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 5.49
latest_period: "2026-Q2"
trend: rising
last_updated: "2026-08-11T00:00:00Z"
source: "New York Fed Consumer Credit Panel / Equifax"
measurement_basis: "Percent of outstanding auto loan balances that are 90 or more days delinquent, using the \"AUTO\" series in the New York Fed table \"Percent of Balance 90+ Days Delinquent by Loan Type\" (unit: Percent; source: New York Fed Consumer Credit Panel/Equifax). This is a balance-level rate, not a share of borrowers."
source_url: https://www.newyorkfed.org/microeconomics/hhdc
canonical_html: https://americandefault.org/indicators/the-repo-line/
citation_apa: "Kilburn, R. (2026). Auto Loans 90+ Days Past Due [Data set]. American Default Research. https://americandefault.org/indicators/the-repo-line/"
citation_chicago: "Kilburn, Ross. 2026. \"Auto Loans 90+ Days Past Due.\" American Default Research. https://americandefault.org/indicators/the-repo-line/."
citation_mla: "Kilburn, Ross. \"Auto Loans 90+ Days Past Due.\" American Default Research, 2026, americandefault.org/indicators/the-repo-line/."
---

# Auto Loans 90+ Days Past Due

Also tracked as The Repo Line.

> Auto loan serious delinquency: 5.49% of balances 90+ days late, up from 4.99% a year earlier

## Current Reading

As of 2026-Q2, Auto Loans 90+ Days Past Due is **5.49%** (rising — worsening for households).

of auto loan balances 90+ days late — higher than a year earlier

## What Changed

- The share of auto loan balances 90 or more days late was 5.49% in Q2 2026, up from 4.99% a year earlier.
- Of 94 quarterly readings since 2003, it is the second highest.
- The share has been higher than a year earlier for 12 quarters in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 5.49% |
| 2026-Q1 | 5.6% |
| 2025-Q4 | 5.21% |
| 2025-Q3 | 5.02% |
| 2025-Q2 | 4.99% |
| 2025-Q1 | 4.99% |
| 2024-Q4 | 4.83% |
| 2024-Q3 | 4.59% |
| 2024-Q2 | 4.43% |
| 2024-Q1 | 4.41% |
| 2023-Q4 | 4.17% |
| 2023-Q3 | 3.91% |

## Historical Context

- Peak since 2003: **5.6%** in Q1 2026
- Low since 2003: **1.99%** in Q2 2005
- Pre-pandemic average (2015-01 – 2019-12): **3.98%**
- Post-pandemic average (2020-01 – 2024-12): **4.32%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: New York Fed Consumer Credit Panel / Equifax.
Measurement basis: Percent of outstanding auto loan balances that are 90 or more days delinquent, using the "AUTO" series in the New York Fed table "Percent of Balance 90+ Days Delinquent by Loan Type" (unit: Percent; source: New York Fed Consumer Credit Panel/Equifax). This is a balance-level rate, not a share of borrowers.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

New York Fed Consumer Credit Panel / Equifax — [https://www.newyorkfed.org/microeconomics/hhdc](https://www.newyorkfed.org/microeconomics/hhdc)

Data retrieved: 2026-08-11T00:00:00Z

## Related Indicators

- [falling-behind](https://americandefault.org/indicators/falling-behind/)
- [the-card-tax](https://americandefault.org/indicators/the-card-tax/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/the-repo-line/
- JSON: https://americandefault.org/api/indicators/the-repo-line.json
- CSV: https://americandefault.org/api/downloads/the-repo-line.csv
- BibTeX: https://americandefault.org/citations/the-repo-line.bib
- RIS: https://americandefault.org/citations/the-repo-line.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Auto Loans 90+ Days Past Due [Data set]. American Default Research. https://americandefault.org/indicators/the-repo-line/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Auto Loans 90+ Days Past Due." American Default Research. https://americandefault.org/indicators/the-repo-line/.

**MLA 9th**

    Kilburn, Ross. "Auto Loans 90+ Days Past Due." American Default Research, 2026, americandefault.org/indicators/the-repo-line/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.