Auto Loan Serious Delinquency Rate (90+ days)
Auto loan serious delinquency at levels not seen since the GFC recovery.
What is the current Auto Loan Serious Delinquency Rate (90+ days)?
Auto Loan Serious Delinquency Rate (90+ days): 5.21% as of 2025-Q4, and worsening. Source: NY Fed Household Debt and Credit Report.
The Repo Line rising to 5.2% — highest since 2010
Auto loan serious delinquency at levels not seen since the GFC recovery.
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How has Auto Loan Serious Delinquency Rate (90+ days) changed over time?
| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 5.21% | +0.4 pts |
| Q3 2025 | 5.02% | +0.4 pts |
| Q2 2025 | 4.99% | +0.6 pts |
| Q1 2025 | 4.99% | +0.6 pts |
| Q4 2024 | 4.83% | +0.7 pts |
| Q3 2024 | 4.59% | +0.7 pts |
| Q2 2024 | 4.43% | +0.6 pts |
| Q1 2024 | 4.41% | +0.5 pts |
| Q4 2023 | 4.17% | +0.4 pts |
| Q3 2023 | 3.91% | +0.0 pts |
| Q2 2023 | 3.82% | −0.0 pts |
| Q1 2023 | 3.89% | −0.1 pts |
Frequently Asked Questions
What is Auto Loan Serious Delinquency Rate (90+ days)?
Auto loan serious delinquency at levels not seen since the GFC recovery.
Why does Auto Loan Serious Delinquency Rate (90+ days) matter for financial distress?
Auto Loan Serious Delinquency Rate (90+ days) is one of the indicators tracked by the American Distress Index (ADI), which measures five dimensions of U.S. household financial distress: Buffer Depletion, Debt Stress, Financial Conditions, Cost Pressure, and Labor Market disruption. Changes in this indicator contribute to the overall distress picture.
Where does the Auto Loan Serious Delinquency Rate (90+ days) data come from?
This data comes from NY Fed Household Debt and Credit Report. More information: https://www.newyorkfed.org/microeconomics/hhdc. The American Distress Index updates this indicator quarterly.
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