Delinquency Rate on Consumer Loans (ex credit card)

The consumer loan delinquency rate excluding credit cards was 2.27% in Q4 2025, per the Federal Reserve Board (FRED series DROCLACBS). This rate covers auto loans, personal loans, and other installment consumer credit at commercial banks, excluding revolving credit card balances.

Credit cards have structurally higher delinquency rates and different payment dynamics than installment loans. Separating them reveals the performance of fixed-payment obligations — auto loans, personal loans — where missed payments more directly signal income disruption rather than revolving balance management.

The all-bank credit card delinquency rate (2.94% in Q4 2025) runs higher because revolving credit is easier to fall behind on. When non-card consumer loan delinquency rises alongside credit card delinquency, it signals broader household payment stress — not just credit card overextension.

Consumer loan delinquency is a component of the Debt Stress dimension in the American Distress Index, which carries 25% of the composite score. It complements credit card delinquency and mortgage delinquency to capture the full spectrum of household debt performance across loan types.

The Federal Reserve Board publishes this quarterly as part of its Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks report. American Default tracks it via the FRED series DROCLACBS, which covers all commercial banks.