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U.S. Auto Loan Delinquency and Default Indicators

Latest national auto-loan data: Q2 2026

Page updated August 12, 2026Q2 data released August 11, 2026Source: Federal Reserve Bank of New York
Latest national auto-loan data: Q2 2026Federal Reserve Bank of New York

U.S. Auto Loan Balance

$1.713 trillion
2026 Q2Total outstanding U.S. auto-loan balance.Up $28 billion from Q1 2026 and $58 billion from Q2 2025.Source: Federal Reserve Bank of New York

Auto Loan Balances 90+ Days Delinquent

5.49%
2026 Q2Stock measure: percentage of outstanding auto-loan balances 90 or more days delinquent.Down 0.11 percentage points from Q1 2026, but about 0.50 percentage points above Q2 2025.Source: Federal Reserve Bank of New York

Flow Into Serious Auto Loan Delinquency

3.00%
2026 Q2Annualized flow into serious 90+ day auto-loan delinquency, presented as a four-quarter moving sum.Up 0.03 percentage points from Q1 2026 and 0.07 percentage points from Q2 2025.Source: Federal Reserve Bank of New York

Auto Loan Originations

$211 billion
2026 Q2New auto loans appearing on consumer credit reports during Q2 2026.Approximately $28.7 billion above Q1 2026 and $22.9 billion above Q2 2025.Source: Federal Reserve Bank of New York

Key Findings

  • Outstanding U.S. auto-loan debt reached $1.713 trillion in Q2 2026, up $28 billion quarter over quarter and $58 billion year over year. This is the highest observation within the available New York Fed series.
  • 5.49% of auto-loan balances were 90+ days delinquent, down from 5.60% in Q1 but about 0.50 percentage points above Q2 2025. The current share is 0.11 percentage points below the series high of 5.60% reached in 2026 Q1.
  • Flow into serious delinquency was 3.00%, versus 2.97% in Q1 and 2.93% one year earlier.
  • Flow into early 30+ day delinquency was 7.87%, up from 7.72% in Q1 but slightly below the Q2 2025 level of 7.96%.
  • Auto-loan originations totaled approximately $211 billion, compared with $182.05 billion in Q1 and $187.9 billion one year earlier.

Does 90+ Days Delinquent Mean an Auto Loan Is in Default?

There is no single national count of formally defaulted auto loans in this New York Fed dataset. The New York Fed reports delinquency measures instead. An auto loan 90 or more days past due is considered seriously delinquent.

Serious delinquency can indicate default-level financial distress and can be useful as an indicator or proxy for default risk, but it should not be interpreted as an exact national count of loans that lenders have formally declared in default. Throughout this page, we use the precise New York Fed terminology: 5.49% of outstanding auto-loan balances were 90 or more days delinquent, and flow into serious auto-loan delinquency was 3.00%.


Portrait of Casey Yontz, attorney editor and founder of US Bankruptcy Help
Written by Casey Yontz, JD, Bankruptcy Attorney (18+ years bankruptcy experience in Arizona)
Legally reviewed by Benjamin Wright, Bankruptcy Attorney (18+ years experience)
Last reviewed on
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U.S. Auto Loan Debt Over Time

Trillions of dollars; 2003 Q1–2026 Q2.

U.S. Auto Loan Debt Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0.0T0.5T0.9T1.4T1.9T2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Auto-loan balance (trillions of dollars), 0.641T2003Q2: Auto-loan balance (trillions of dollars), 0.622T2003Q3: Auto-loan balance (trillions of dollars), 0.684T2003Q4: Auto-loan balance (trillions of dollars), 0.704T2004Q1: Auto-loan balance (trillions of dollars), 0.720T2004Q2: Auto-loan balance (trillions of dollars), 0.743T2004Q3: Auto-loan balance (trillions of dollars), 0.751T2004Q4: Auto-loan balance (trillions of dollars), 0.728T2005Q1: Auto-loan balance (trillions of dollars), 0.725T2005Q2: Auto-loan balance (trillions of dollars), 0.774T2005Q3: Auto-loan balance (trillions of dollars), 0.830T2005Q4: Auto-loan balance (trillions of dollars), 0.792T2006Q1: Auto-loan balance (trillions of dollars), 0.788T2006Q2: Auto-loan balance (trillions of dollars), 0.796T2006Q3: Auto-loan balance (trillions of dollars), 0.821T2006Q4: Auto-loan balance (trillions of dollars), 0.821T2007Q1: Auto-loan balance (trillions of dollars), 0.794T2007Q2: Auto-loan balance (trillions of dollars), 0.807T2007Q3: Auto-loan balance (trillions of dollars), 0.818T2007Q4: Auto-loan balance (trillions of dollars), 0.815T2008Q1: Auto-loan balance (trillions of dollars), 0.808T2008Q2: Auto-loan balance (trillions of dollars), 0.810T2008Q3: Auto-loan balance (trillions of dollars), 0.809T2008Q4: Auto-loan balance (trillions of dollars), 0.791T2009Q1: Auto-loan balance (trillions of dollars), 0.766T2009Q2: Auto-loan balance (trillions of dollars), 0.743T2009Q3: Auto-loan balance (trillions of dollars), 0.739T2009Q4: Auto-loan balance (trillions of dollars), 0.722T2010Q1: Auto-loan balance (trillions of dollars), 0.705T2010Q2: Auto-loan balance (trillions of dollars), 0.702T2010Q3: Auto-loan balance (trillions of dollars), 0.710T2010Q4: Auto-loan balance (trillions of dollars), 0.711T2011Q1: Auto-loan balance (trillions of dollars), 0.706T2011Q2: Auto-loan balance (trillions of dollars), 0.713T2011Q3: Auto-loan balance (trillions of dollars), 0.730T2011Q4: Auto-loan balance (trillions of dollars), 0.734T2012Q1: Auto-loan balance (trillions of dollars), 0.737T2012Q2: Auto-loan balance (trillions of dollars), 0.750T2012Q3: Auto-loan balance (trillions of dollars), 0.768T2012Q4: Auto-loan balance (trillions of dollars), 0.783T2013Q1: Auto-loan balance (trillions of dollars), 0.794T2013Q2: Auto-loan balance (trillions of dollars), 0.814T2013Q3: Auto-loan balance (trillions of dollars), 0.845T2013Q4: Auto-loan balance (trillions of dollars), 0.863T2014Q1: Auto-loan balance (trillions of dollars), 0.875T2014Q2: Auto-loan balance (trillions of dollars), 0.905T2014Q3: Auto-loan balance (trillions of dollars), 0.934T2014Q4: Auto-loan balance (trillions of dollars), 0.955T2015Q1: Auto-loan balance (trillions of dollars), 0.968T2015Q2: Auto-loan balance (trillions of dollars), 1.006T2015Q3: Auto-loan balance (trillions of dollars), 1.045T2015Q4: Auto-loan balance (trillions of dollars), 1.064T2016Q1: Auto-loan balance (trillions of dollars), 1.071T2016Q2: Auto-loan balance (trillions of dollars), 1.103T2016Q3: Auto-loan balance (trillions of dollars), 1.135T2016Q4: Auto-loan balance (trillions of dollars), 1.157T2017Q1: Auto-loan balance (trillions of dollars), 1.167T2017Q2: Auto-loan balance (trillions of dollars), 1.190T2017Q3: Auto-loan balance (trillions of dollars), 1.213T2017Q4: Auto-loan balance (trillions of dollars), 1.221T2018Q1: Auto-loan balance (trillions of dollars), 1.229T2018Q2: Auto-loan balance (trillions of dollars), 1.238T2018Q3: Auto-loan balance (trillions of dollars), 1.265T2018Q4: Auto-loan balance (trillions of dollars), 1.274T2019Q1: Auto-loan balance (trillions of dollars), 1.280T2019Q2: Auto-loan balance (trillions of dollars), 1.297T2019Q3: Auto-loan balance (trillions of dollars), 1.315T2019Q4: Auto-loan balance (trillions of dollars), 1.331T2020Q1: Auto-loan balance (trillions of dollars), 1.346T2020Q2: Auto-loan balance (trillions of dollars), 1.343T2020Q3: Auto-loan balance (trillions of dollars), 1.360T2020Q4: Auto-loan balance (trillions of dollars), 1.374T2021Q1: Auto-loan balance (trillions of dollars), 1.382T2021Q2: Auto-loan balance (trillions of dollars), 1.415T2021Q3: Auto-loan balance (trillions of dollars), 1.443T2021Q4: Auto-loan balance (trillions of dollars), 1.458T2022Q1: Auto-loan balance (trillions of dollars), 1.469T2022Q2: Auto-loan balance (trillions of dollars), 1.502T2022Q3: Auto-loan balance (trillions of dollars), 1.524T2022Q4: Auto-loan balance (trillions of dollars), 1.552T2023Q1: Auto-loan balance (trillions of dollars), 1.562T2023Q2: Auto-loan balance (trillions of dollars), 1.582T2023Q3: Auto-loan balance (trillions of dollars), 1.595T2023Q4: Auto-loan balance (trillions of dollars), 1.607T2024Q1: Auto-loan balance (trillions of dollars), 1.616T2024Q2: Auto-loan balance (trillions of dollars), 1.626T2024Q3: Auto-loan balance (trillions of dollars), 1.644T2024Q4: Auto-loan balance (trillions of dollars), 1.655T2025Q1: Auto-loan balance (trillions of dollars), 1.642T2025Q2: Auto-loan balance (trillions of dollars), 1.655T2025Q3: Auto-loan balance (trillions of dollars), 1.655T2025Q4: Auto-loan balance (trillions of dollars), 1.667T2026Q1: Auto-loan balance (trillions of dollars), 1.685T2026Q2: Auto-loan balance (trillions of dollars), 1.713T
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Auto Loan Balances 90+ Days Delinquent Over Time

Percent of outstanding auto-loan balance. This is the stock serious-delinquency measure.

Auto Loan Balances 90+ Days Delinquent Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0%2%3%5%6%2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Balance 90+ days delinquent, 2.33%2003Q2: Balance 90+ days delinquent, 2.26%2003Q3: Balance 90+ days delinquent, 2.16%2003Q4: Balance 90+ days delinquent, 2.16%2004Q1: Balance 90+ days delinquent, 2.32%2004Q2: Balance 90+ days delinquent, 2.17%2004Q3: Balance 90+ days delinquent, 2.27%2004Q4: Balance 90+ days delinquent, 2.42%2005Q1: Balance 90+ days delinquent, 2.38%2005Q2: Balance 90+ days delinquent, 1.99%2005Q3: Balance 90+ days delinquent, 2.03%2005Q4: Balance 90+ days delinquent, 2.09%2006Q1: Balance 90+ days delinquent, 2.15%2006Q2: Balance 90+ days delinquent, 2.22%2006Q3: Balance 90+ days delinquent, 2.58%2006Q4: Balance 90+ days delinquent, 2.62%2007Q1: Balance 90+ days delinquent, 2.59%2007Q2: Balance 90+ days delinquent, 2.54%2007Q3: Balance 90+ days delinquent, 2.76%2007Q4: Balance 90+ days delinquent, 3.05%2008Q1: Balance 90+ days delinquent, 3.22%2008Q2: Balance 90+ days delinquent, 3.26%2008Q3: Balance 90+ days delinquent, 3.64%2008Q4: Balance 90+ days delinquent, 3.94%2009Q1: Balance 90+ days delinquent, 4.35%2009Q2: Balance 90+ days delinquent, 4.47%2009Q3: Balance 90+ days delinquent, 4.68%2009Q4: Balance 90+ days delinquent, 4.92%2010Q1: Balance 90+ days delinquent, 5.01%2010Q2: Balance 90+ days delinquent, 4.84%2010Q3: Balance 90+ days delinquent, 4.83%2010Q4: Balance 90+ days delinquent, 5.27%2011Q1: Balance 90+ days delinquent, 5.09%2011Q2: Balance 90+ days delinquent, 4.99%2011Q3: Balance 90+ days delinquent, 5.03%2011Q4: Balance 90+ days delinquent, 4.82%2012Q1: Balance 90+ days delinquent, 4.55%2012Q2: Balance 90+ days delinquent, 4.24%2012Q3: Balance 90+ days delinquent, 4.25%2012Q4: Balance 90+ days delinquent, 4.03%2013Q1: Balance 90+ days delinquent, 3.92%2013Q2: Balance 90+ days delinquent, 3.57%2013Q3: Balance 90+ days delinquent, 3.37%2013Q4: Balance 90+ days delinquent, 3.35%2014Q1: Balance 90+ days delinquent, 3.32%2014Q2: Balance 90+ days delinquent, 3.27%2014Q3: Balance 90+ days delinquent, 3.14%2014Q4: Balance 90+ days delinquent, 3.47%2015Q1: Balance 90+ days delinquent, 3.34%2015Q2: Balance 90+ days delinquent, 3.36%2015Q3: Balance 90+ days delinquent, 3.36%2015Q4: Balance 90+ days delinquent, 3.37%2016Q1: Balance 90+ days delinquent, 3.52%2016Q2: Balance 90+ days delinquent, 3.46%2016Q3: Balance 90+ days delinquent, 3.58%2016Q4: Balance 90+ days delinquent, 3.75%2017Q1: Balance 90+ days delinquent, 3.82%2017Q2: Balance 90+ days delinquent, 3.92%2017Q3: Balance 90+ days delinquent, 3.97%2017Q4: Balance 90+ days delinquent, 4.05%2018Q1: Balance 90+ days delinquent, 4.26%2018Q2: Balance 90+ days delinquent, 4.17%2018Q3: Balance 90+ days delinquent, 4.27%2018Q4: Balance 90+ days delinquent, 4.47%2019Q1: Balance 90+ days delinquent, 4.69%2019Q2: Balance 90+ days delinquent, 4.64%2019Q3: Balance 90+ days delinquent, 4.71%2019Q4: Balance 90+ days delinquent, 4.94%2020Q1: Balance 90+ days delinquent, 5.05%2020Q2: Balance 90+ days delinquent, 5.03%2020Q3: Balance 90+ days delinquent, 4.82%2020Q4: Balance 90+ days delinquent, 4.77%2021Q1: Balance 90+ days delinquent, 4.79%2021Q2: Balance 90+ days delinquent, 4.35%2021Q3: Balance 90+ days delinquent, 4.05%2021Q4: Balance 90+ days delinquent, 3.98%2022Q1: Balance 90+ days delinquent, 4.00%2022Q2: Balance 90+ days delinquent, 3.86%2022Q3: Balance 90+ days delinquent, 3.89%2022Q4: Balance 90+ days delinquent, 3.73%2023Q1: Balance 90+ days delinquent, 3.89%2023Q2: Balance 90+ days delinquent, 3.82%2023Q3: Balance 90+ days delinquent, 3.91%2023Q4: Balance 90+ days delinquent, 4.17%2024Q1: Balance 90+ days delinquent, 4.41%2024Q2: Balance 90+ days delinquent, 4.43%2024Q3: Balance 90+ days delinquent, 4.59%2024Q4: Balance 90+ days delinquent, 4.83%2025Q1: Balance 90+ days delinquent, 4.99%2025Q2: Balance 90+ days delinquent, 4.99%2025Q3: Balance 90+ days delinquent, 5.02%2025Q4: Balance 90+ days delinquent, 5.21%2026Q1: Balance 90+ days delinquent, 5.60%2026Q2: Balance 90+ days delinquent, 5.49%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Flow Into Auto Loan Delinquency Over Time

These are annualized delinquency-flow measures presented as four-quarter moving sums. They represent newly delinquent balances, not the percentage of all outstanding auto-loan balances currently delinquent.

Flow Into Auto Loan Delinquency Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0%3%6%9%12%2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Flow into 30+ day delinquency, 8.57%2003Q1: Flow into serious 90+ day delinquency, 2.18%2003Q2: Flow into 30+ day delinquency, 8.50%2003Q2: Flow into serious 90+ day delinquency, 2.19%2003Q3: Flow into 30+ day delinquency, 8.03%2003Q3: Flow into serious 90+ day delinquency, 2.14%2003Q4: Flow into 30+ day delinquency, 7.79%2003Q4: Flow into serious 90+ day delinquency, 2.04%2004Q1: Flow into 30+ day delinquency, 7.42%2004Q1: Flow into serious 90+ day delinquency, 1.97%2004Q2: Flow into 30+ day delinquency, 7.29%2004Q2: Flow into serious 90+ day delinquency, 1.82%2004Q3: Flow into 30+ day delinquency, 7.19%2004Q3: Flow into serious 90+ day delinquency, 1.77%2004Q4: Flow into 30+ day delinquency, 6.98%2004Q4: Flow into serious 90+ day delinquency, 1.78%2005Q1: Flow into 30+ day delinquency, 6.78%2005Q1: Flow into serious 90+ day delinquency, 1.69%2005Q2: Flow into 30+ day delinquency, 6.69%2005Q2: Flow into serious 90+ day delinquency, 1.68%2005Q3: Flow into 30+ day delinquency, 7.13%2005Q3: Flow into serious 90+ day delinquency, 1.66%2005Q4: Flow into 30+ day delinquency, 7.34%2005Q4: Flow into serious 90+ day delinquency, 1.67%2006Q1: Flow into 30+ day delinquency, 7.66%2006Q1: Flow into serious 90+ day delinquency, 1.66%2006Q2: Flow into 30+ day delinquency, 8.21%2006Q2: Flow into serious 90+ day delinquency, 1.79%2006Q3: Flow into 30+ day delinquency, 8.32%2006Q3: Flow into serious 90+ day delinquency, 2.02%2006Q4: Flow into 30+ day delinquency, 8.69%2006Q4: Flow into serious 90+ day delinquency, 2.22%2007Q1: Flow into 30+ day delinquency, 8.76%2007Q1: Flow into serious 90+ day delinquency, 2.34%2007Q2: Flow into 30+ day delinquency, 8.84%2007Q2: Flow into serious 90+ day delinquency, 2.36%2007Q3: Flow into 30+ day delinquency, 9.13%2007Q3: Flow into serious 90+ day delinquency, 2.34%2007Q4: Flow into 30+ day delinquency, 9.41%2007Q4: Flow into serious 90+ day delinquency, 2.44%2008Q1: Flow into 30+ day delinquency, 9.73%2008Q1: Flow into serious 90+ day delinquency, 2.71%2008Q2: Flow into 30+ day delinquency, 9.94%2008Q2: Flow into serious 90+ day delinquency, 2.85%2008Q3: Flow into 30+ day delinquency, 10.18%2008Q3: Flow into serious 90+ day delinquency, 3.15%2008Q4: Flow into 30+ day delinquency, 10.47%2008Q4: Flow into serious 90+ day delinquency, 3.29%2009Q1: Flow into 30+ day delinquency, 10.62%2009Q1: Flow into serious 90+ day delinquency, 3.36%2009Q2: Flow into 30+ day delinquency, 10.85%2009Q2: Flow into serious 90+ day delinquency, 3.48%2009Q3: Flow into 30+ day delinquency, 10.80%2009Q3: Flow into serious 90+ day delinquency, 3.34%2009Q4: Flow into 30+ day delinquency, 10.46%2009Q4: Flow into serious 90+ day delinquency, 3.24%2010Q1: Flow into 30+ day delinquency, 10.22%2010Q1: Flow into serious 90+ day delinquency, 3.10%2010Q2: Flow into 30+ day delinquency, 9.55%2010Q2: Flow into serious 90+ day delinquency, 2.85%2010Q3: Flow into 30+ day delinquency, 8.74%2010Q3: Flow into serious 90+ day delinquency, 2.55%2010Q4: Flow into 30+ day delinquency, 8.20%2010Q4: Flow into serious 90+ day delinquency, 2.31%2011Q1: Flow into 30+ day delinquency, 7.63%2011Q1: Flow into serious 90+ day delinquency, 2.03%2011Q2: Flow into 30+ day delinquency, 7.05%2011Q2: Flow into serious 90+ day delinquency, 1.86%2011Q3: Flow into 30+ day delinquency, 7.03%2011Q3: Flow into serious 90+ day delinquency, 1.81%2011Q4: Flow into 30+ day delinquency, 6.77%2011Q4: Flow into serious 90+ day delinquency, 1.69%2012Q1: Flow into 30+ day delinquency, 6.67%2012Q1: Flow into serious 90+ day delinquency, 1.63%2012Q2: Flow into 30+ day delinquency, 6.73%2012Q2: Flow into serious 90+ day delinquency, 1.60%2012Q3: Flow into 30+ day delinquency, 6.41%2012Q3: Flow into serious 90+ day delinquency, 1.52%2012Q4: Flow into 30+ day delinquency, 6.38%2012Q4: Flow into serious 90+ day delinquency, 1.52%2013Q1: Flow into 30+ day delinquency, 6.62%2013Q1: Flow into serious 90+ day delinquency, 1.57%2013Q2: Flow into 30+ day delinquency, 6.65%2013Q2: Flow into serious 90+ day delinquency, 1.63%2013Q3: Flow into 30+ day delinquency, 6.79%2013Q3: Flow into serious 90+ day delinquency, 1.63%2013Q4: Flow into 30+ day delinquency, 6.85%2013Q4: Flow into serious 90+ day delinquency, 1.58%2014Q1: Flow into 30+ day delinquency, 6.86%2014Q1: Flow into serious 90+ day delinquency, 1.56%2014Q2: Flow into 30+ day delinquency, 6.91%2014Q2: Flow into serious 90+ day delinquency, 1.61%2014Q3: Flow into 30+ day delinquency, 7.10%2014Q3: Flow into serious 90+ day delinquency, 1.73%2014Q4: Flow into 30+ day delinquency, 7.15%2014Q4: Flow into serious 90+ day delinquency, 1.88%2015Q1: Flow into 30+ day delinquency, 6.93%2015Q1: Flow into serious 90+ day delinquency, 1.96%2015Q2: Flow into 30+ day delinquency, 7.11%2015Q2: Flow into serious 90+ day delinquency, 2.00%2015Q3: Flow into 30+ day delinquency, 7.05%2015Q3: Flow into serious 90+ day delinquency, 2.04%2015Q4: Flow into 30+ day delinquency, 7.13%2015Q4: Flow into serious 90+ day delinquency, 2.09%2016Q1: Flow into 30+ day delinquency, 7.27%2016Q1: Flow into serious 90+ day delinquency, 2.18%2016Q2: Flow into 30+ day delinquency, 7.28%2016Q2: Flow into serious 90+ day delinquency, 2.18%2016Q3: Flow into 30+ day delinquency, 7.35%2016Q3: Flow into serious 90+ day delinquency, 2.21%2016Q4: Flow into 30+ day delinquency, 7.46%2016Q4: Flow into serious 90+ day delinquency, 2.25%2017Q1: Flow into 30+ day delinquency, 7.35%2017Q1: Flow into serious 90+ day delinquency, 2.30%2017Q2: Flow into 30+ day delinquency, 7.45%2017Q2: Flow into serious 90+ day delinquency, 2.31%2017Q3: Flow into 30+ day delinquency, 7.39%2017Q3: Flow into serious 90+ day delinquency, 2.36%2017Q4: Flow into 30+ day delinquency, 7.21%2017Q4: Flow into serious 90+ day delinquency, 2.33%2018Q1: Flow into 30+ day delinquency, 7.28%2018Q1: Flow into serious 90+ day delinquency, 2.29%2018Q2: Flow into 30+ day delinquency, 7.15%2018Q2: Flow into serious 90+ day delinquency, 2.34%2018Q3: Flow into 30+ day delinquency, 7.05%2018Q3: Flow into serious 90+ day delinquency, 2.30%2018Q4: Flow into 30+ day delinquency, 7.09%2018Q4: Flow into serious 90+ day delinquency, 2.36%2019Q1: Flow into 30+ day delinquency, 7.07%2019Q1: Flow into serious 90+ day delinquency, 2.36%2019Q2: Flow into 30+ day delinquency, 6.93%2019Q2: Flow into serious 90+ day delinquency, 2.34%2019Q3: Flow into 30+ day delinquency, 6.96%2019Q3: Flow into serious 90+ day delinquency, 2.34%2019Q4: Flow into 30+ day delinquency, 6.91%2019Q4: Flow into serious 90+ day delinquency, 2.36%2020Q1: Flow into 30+ day delinquency, 6.89%2020Q1: Flow into serious 90+ day delinquency, 2.37%2020Q2: Flow into 30+ day delinquency, 6.29%2020Q2: Flow into serious 90+ day delinquency, 2.26%2020Q3: Flow into 30+ day delinquency, 5.79%2020Q3: Flow into serious 90+ day delinquency, 2.09%2020Q4: Flow into 30+ day delinquency, 5.45%2020Q4: Flow into serious 90+ day delinquency, 1.84%2021Q1: Flow into 30+ day delinquency, 5.16%2021Q1: Flow into serious 90+ day delinquency, 1.72%2021Q2: Flow into 30+ day delinquency, 5.08%2021Q2: Flow into serious 90+ day delinquency, 1.61%2021Q3: Flow into 30+ day delinquency, 5.00%2021Q3: Flow into serious 90+ day delinquency, 1.57%2021Q4: Flow into 30+ day delinquency, 4.96%2021Q4: Flow into serious 90+ day delinquency, 1.56%2022Q1: Flow into 30+ day delinquency, 5.10%2022Q1: Flow into serious 90+ day delinquency, 1.61%2022Q2: Flow into 30+ day delinquency, 5.64%2022Q2: Flow into serious 90+ day delinquency, 1.81%2022Q3: Flow into 30+ day delinquency, 6.21%2022Q3: Flow into serious 90+ day delinquency, 2.02%2022Q4: Flow into 30+ day delinquency, 6.64%2022Q4: Flow into serious 90+ day delinquency, 2.22%2023Q1: Flow into 30+ day delinquency, 6.88%2023Q1: Flow into serious 90+ day delinquency, 2.33%2023Q2: Flow into 30+ day delinquency, 7.28%2023Q2: Flow into serious 90+ day delinquency, 2.41%2023Q3: Flow into 30+ day delinquency, 7.39%2023Q3: Flow into serious 90+ day delinquency, 2.53%2023Q4: Flow into 30+ day delinquency, 7.69%2023Q4: Flow into serious 90+ day delinquency, 2.66%2024Q1: Flow into 30+ day delinquency, 7.94%2024Q1: Flow into serious 90+ day delinquency, 2.78%2024Q2: Flow into 30+ day delinquency, 7.95%2024Q2: Flow into serious 90+ day delinquency, 2.88%2024Q3: Flow into 30+ day delinquency, 8.12%2024Q3: Flow into serious 90+ day delinquency, 2.90%2024Q4: Flow into 30+ day delinquency, 8.08%2024Q4: Flow into serious 90+ day delinquency, 2.96%2025Q1: Flow into 30+ day delinquency, 7.99%2025Q1: Flow into serious 90+ day delinquency, 2.94%2025Q2: Flow into 30+ day delinquency, 7.96%2025Q2: Flow into serious 90+ day delinquency, 2.93%2025Q3: Flow into 30+ day delinquency, 7.79%2025Q3: Flow into serious 90+ day delinquency, 2.99%2025Q4: Flow into 30+ day delinquency, 7.70%2025Q4: Flow into serious 90+ day delinquency, 2.95%2026Q1: Flow into 30+ day delinquency, 7.72%2026Q1: Flow into serious 90+ day delinquency, 2.97%2026Q2: Flow into 30+ day delinquency, 7.87%2026Q2: Flow into serious 90+ day delinquency, 3.00%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Recent U.S. Auto Loan Delinquency Trends

Stock serious-delinquency share from 2019 Q1 through 2026 Q2.

Recent U.S. Auto Loan Delinquency TrendsQuarterly observations from 2019Q1 through 2026Q2. Exact values are available in the historical table.0%2%3%5%6%2019 Q12020 Q42022 Q32024 Q22026 Q22019Q1: Balance 90+ days delinquent, 4.69%2019Q2: Balance 90+ days delinquent, 4.64%2019Q3: Balance 90+ days delinquent, 4.71%2019Q4: Balance 90+ days delinquent, 4.94%2020Q1: Balance 90+ days delinquent, 5.05%2020Q2: Balance 90+ days delinquent, 5.03%2020Q3: Balance 90+ days delinquent, 4.82%2020Q4: Balance 90+ days delinquent, 4.77%2021Q1: Balance 90+ days delinquent, 4.79%2021Q2: Balance 90+ days delinquent, 4.35%2021Q3: Balance 90+ days delinquent, 4.05%2021Q4: Balance 90+ days delinquent, 3.98%2022Q1: Balance 90+ days delinquent, 4.00%2022Q2: Balance 90+ days delinquent, 3.86%2022Q3: Balance 90+ days delinquent, 3.89%2022Q4: Balance 90+ days delinquent, 3.73%2023Q1: Balance 90+ days delinquent, 3.89%2023Q2: Balance 90+ days delinquent, 3.82%2023Q3: Balance 90+ days delinquent, 3.91%2023Q4: Balance 90+ days delinquent, 4.17%2024Q1: Balance 90+ days delinquent, 4.41%2024Q2: Balance 90+ days delinquent, 4.43%2024Q3: Balance 90+ days delinquent, 4.59%2024Q4: Balance 90+ days delinquent, 4.83%2025Q1: Balance 90+ days delinquent, 4.99%2025Q2: Balance 90+ days delinquent, 4.99%2025Q3: Balance 90+ days delinquent, 5.02%2025Q4: Balance 90+ days delinquent, 5.21%2026Q1: Balance 90+ days delinquent, 5.60%2026Q2: Balance 90+ days delinquent, 5.49%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

U.S. Auto Loan Originations Over Time

Billions of dollars, 2004 Q1–2026 Q2. The source supplies the TOTAL origination series directly; credit-score categories are not summed or reconstructed.

U.S. Auto Loan Originations Over TimeQuarterly observations from 2004Q1 through 2026Q2. Exact values are available in the historical table.0B57B114B171B228B2004 Q12009 Q32015 Q12020 Q32026 Q22004Q1: Auto-loan originations (billions of dollars), 111.95614B2004Q2: Auto-loan originations (billions of dollars), 117.46899B2004Q3: Auto-loan originations (billions of dollars), 115.95949B2004Q4: Auto-loan originations (billions of dollars), 109.82114B2005Q1: Auto-loan originations (billions of dollars), 100.42827B2005Q2: Auto-loan originations (billions of dollars), 150.70419B2005Q3: Auto-loan originations (billions of dollars), 159.71587B2005Q4: Auto-loan originations (billions of dollars), 108.55030B2006Q1: Auto-loan originations (billions of dollars), 101.25159B2006Q2: Auto-loan originations (billions of dollars), 114.32654B2006Q3: Auto-loan originations (billions of dollars), 129.06468B2006Q4: Auto-loan originations (billions of dollars), 104.50740B2007Q1: Auto-loan originations (billions of dollars), 93.59686B2007Q2: Auto-loan originations (billions of dollars), 108.09341B2007Q3: Auto-loan originations (billions of dollars), 114.55927B2007Q4: Auto-loan originations (billions of dollars), 98.88087B2008Q1: Auto-loan originations (billions of dollars), 88.90677B2008Q2: Auto-loan originations (billions of dollars), 98.02288B2008Q3: Auto-loan originations (billions of dollars), 93.52576B2008Q4: Auto-loan originations (billions of dollars), 72.83982B2009Q1: Auto-loan originations (billions of dollars), 64.99543B2009Q2: Auto-loan originations (billions of dollars), 69.37970B2009Q3: Auto-loan originations (billions of dollars), 80.96060B2009Q4: Auto-loan originations (billions of dollars), 66.52354B2010Q1: Auto-loan originations (billions of dollars), 65.25203B2010Q2: Auto-loan originations (billions of dollars), 83.83968B2010Q3: Auto-loan originations (billions of dollars), 89.83697B2010Q4: Auto-loan originations (billions of dollars), 81.96121B2011Q1: Auto-loan originations (billions of dollars), 79.16652B2011Q2: Auto-loan originations (billions of dollars), 92.39350B2011Q3: Auto-loan originations (billions of dollars), 99.41588B2011Q4: Auto-loan originations (billions of dollars), 88.21934B2012Q1: Auto-loan originations (billions of dollars), 89.56352B2012Q2: Auto-loan originations (billions of dollars), 102.00206B2012Q3: Auto-loan originations (billions of dollars), 107.56402B2012Q4: Auto-loan originations (billions of dollars), 109.95592B2013Q1: Auto-loan originations (billions of dollars), 99.15973B2013Q2: Auto-loan originations (billions of dollars), 116.03928B2013Q3: Auto-loan originations (billions of dollars), 127.57020B2013Q4: Auto-loan originations (billions of dollars), 110.08599B2014Q1: Auto-loan originations (billions of dollars), 108.85193B2014Q2: Auto-loan originations (billions of dollars), 125.89978B2014Q3: Auto-loan originations (billions of dollars), 132.61681B2014Q4: Auto-loan originations (billions of dollars), 125.48682B2015Q1: Auto-loan originations (billions of dollars), 116.98881B2015Q2: Auto-loan originations (billions of dollars), 148.25895B2015Q3: Auto-loan originations (billions of dollars), 150.78584B2015Q4: Auto-loan originations (billions of dollars), 131.45935B2016Q1: Auto-loan originations (billions of dollars), 123.90000B2016Q2: Auto-loan originations (billions of dollars), 148.93197B2016Q3: Auto-loan originations (billions of dollars), 149.80000B2016Q4: Auto-loan originations (billions of dollars), 142.00000B2017Q1: Auto-loan originations (billions of dollars), 132.40000B2017Q2: Auto-loan originations (billions of dollars), 148.40000B2017Q3: Auto-loan originations (billions of dollars), 150.63469B2017Q4: Auto-loan originations (billions of dollars), 137.20386B2018Q1: Auto-loan originations (billions of dollars), 130.86890B2018Q2: Auto-loan originations (billions of dollars), 151.22547B2018Q3: Auto-loan originations (billions of dollars), 157.58770B2018Q4: Auto-loan originations (billions of dollars), 144.32776B2019Q1: Auto-loan originations (billions of dollars), 139.08542B2019Q2: Auto-loan originations (billions of dollars), 155.55937B2019Q3: Auto-loan originations (billions of dollars), 159.14043B2019Q4: Auto-loan originations (billions of dollars), 158.56953B2020Q1: Auto-loan originations (billions of dollars), 150.30020B2020Q2: Auto-loan originations (billions of dollars), 135.85078B2020Q3: Auto-loan originations (billions of dollars), 168.23234B2020Q4: Auto-loan originations (billions of dollars), 161.60567B2021Q1: Auto-loan originations (billions of dollars), 152.74723B2021Q2: Auto-loan originations (billions of dollars), 201.86896B2021Q3: Auto-loan originations (billions of dollars), 198.76300B2021Q4: Auto-loan originations (billions of dollars), 180.54221B2022Q1: Auto-loan originations (billions of dollars), 176.63986B2022Q2: Auto-loan originations (billions of dollars), 198.83655B2022Q3: Auto-loan originations (billions of dollars), 185.37916B2022Q4: Auto-loan originations (billions of dollars), 186.20000B2023Q1: Auto-loan originations (billions of dollars), 161.65519B2023Q2: Auto-loan originations (billions of dollars), 178.95449B2023Q3: Auto-loan originations (billions of dollars), 179.28337B2023Q4: Auto-loan originations (billions of dollars), 164.92559B2024Q1: Auto-loan originations (billions of dollars), 165.53905B2024Q2: Auto-loan originations (billions of dollars), 179.14824B2024Q3: Auto-loan originations (billions of dollars), 184.21340B2024Q4: Auto-loan originations (billions of dollars), 175.08267B2025Q1: Auto-loan originations (billions of dollars), 165.56455B2025Q2: Auto-loan originations (billions of dollars), 187.90000B2025Q3: Auto-loan originations (billions of dollars), 183.86416B2025Q4: Auto-loan originations (billions of dollars), 180.84000B2026Q1: Auto-loan originations (billions of dollars), 182.05000B2026Q2: Auto-loan originations (billions of dollars), 210.75864B
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Quarterly Historical Data

All source observations are shown newest first. An em dash indicates that the origination series had not yet begun.

QuarterAuto-loan balance (T)Balance 90+ delinquentFlow into 30+Flow into serious 90+Originations (B)
2026 Q2$1.7135.49%7.87%3%$210.75864
2026 Q1$1.6855.6%7.72%2.97%$182.05
2025 Q4$1.6675.207558488302%7.701319348144%2.951661558008%$180.84
2025 Q3$1.6555.02%7.79%2.99%$183.86416
2025 Q2$1.6554.990936555891%7.959217440803%2.93%$187.9
2025 Q1$1.6424.986601705238%7.99%2.94%$165.56455
2024 Q4$1.6554.83%8.08%2.96%$175.08267
2024 Q3$1.6444.586374695864%8.12%2.899574343114%$184.2134
2024 Q2$1.6264.43%7.95%2.88%$179.14824
2024 Q1$1.6164.41%7.94%2.78%$165.53905
2023 Q4$1.6074.17%7.69%2.66%$164.92559
2023 Q3$1.5953.91%7.39%2.53%$179.28337
2023 Q2$1.5823.82%7.28%2.41%$178.95449
2023 Q1$1.5623.89%6.88%2.33%$161.65519
2022 Q4$1.5523.73%6.64%2.22%$186.2
2022 Q3$1.5243.89%6.21%2.02%$185.37916
2022 Q2$1.5023.86%5.64%1.81%$198.83655
2022 Q1$1.4694%5.1%1.61%$176.63986
2021 Q4$1.4583.98%4.96%1.56%$180.54221
2021 Q3$1.4434.05%5%1.57%$198.763
2021 Q2$1.4154.35%5.08%1.61%$201.86896
2021 Q1$1.3824.79%5.16%1.72%$152.74723
2020 Q4$1.3744.77%5.45%1.84%$161.60567
2020 Q3$1.364.82%5.79%2.09%$168.23234
2020 Q2$1.3435.03%6.29%2.26%$135.85078
2020 Q1$1.3465.05%6.89%2.37%$150.3002
2019 Q4$1.3314.94%6.91%2.36%$158.56953
2019 Q3$1.3154.71%6.96%2.34%$159.14043
2019 Q2$1.2974.64%6.93%2.34%$155.55937
2019 Q1$1.284.69%7.07%2.36%$139.08542
2018 Q4$1.2744.47%7.09%2.36%$144.32776
2018 Q3$1.2654.27%7.05%2.3%$157.5877
2018 Q2$1.2384.17%7.15%2.34%$151.22547
2018 Q1$1.2294.26%7.28%2.29%$130.8689
2017 Q4$1.2214.05%7.21%2.33%$137.20386
2017 Q3$1.2133.97%7.39%2.36%$150.63469
2017 Q2$1.193.92%7.45%2.31%$148.4
2017 Q1$1.1673.82%7.35%2.301334993217%$132.4
2016 Q4$1.1573.75%7.46%2.248877689343%$142
2016 Q3$1.1353.58%7.35%2.210688455576%$149.8
2016 Q2$1.1033.46%7.28%2.181344406931%$148.93197
2016 Q1$1.0713.52%7.27%2.176862410884%$123.9
2015 Q4$1.0643.37%7.13%2.085317942563%$131.45935
2015 Q3$1.0453.36%7.05%2.036137408774%$150.78584
2015 Q2$1.0063.36%7.11%2.002567854794%$148.25895
2015 Q1$0.9683.34%6.93%1.957226458417%$116.98881
2014 Q4$0.9553.47%7.15%1.878923708367%$125.48682
2014 Q3$0.9343.14%7.1%1.729162589501%$132.61681
2014 Q2$0.9053.27%6.91%1.612024886858%$125.89978
2014 Q1$0.8753.32%6.86%1.556169206259%$108.85193
2013 Q4$0.8633.35%6.85%1.57576347795%$110.08599
2013 Q3$0.8453.37%6.79%1.630944281811%$127.5702
2013 Q2$0.8143.57%6.65%1.628127749879%$116.03928
2013 Q1$0.7943.92%6.62%1.571024764868%$99.15973
2012 Q4$0.7834.03%6.38%1.523454869804%$109.95592
2012 Q3$0.7684.25%6.41%1.516873333704%$107.56402
2012 Q2$0.754.24%6.73%1.596907822377%$102.00206
2012 Q1$0.73654.55%6.67%1.626737013493%$89.56352
2011 Q4$0.73414.82%6.77%1.688563721117%$88.21934
2011 Q3$0.73045.03%7.03%1.806266342837%$99.41588
2011 Q2$0.7134.99%7.05%1.857803510264%$92.3935
2011 Q1$0.70565.09%7.63%2.025989793684%$79.166516
2010 Q4$0.7115.27%8.2%2.311355929157%$81.961205
2010 Q3$0.714.83%8.74%2.554773521223%$89.83697
2010 Q2$0.70224.84%9.55%2.853846027923%$83.839676
2010 Q1$0.70475.01%10.22%3.097576461138%$65.252025
2009 Q4$0.72194.92%10.46%3.243804188777%$66.523543
2009 Q3$0.7394.68%10.8%3.343485853219%$80.960604
2009 Q2$0.7434.47%10.85%3.476888586181%$69.379703
2009 Q1$0.7664.35%10.62%3.357430539251%$64.995434
2008 Q4$0.7913.94%10.47%3.285785924317%$72.839822
2008 Q3$0.8093.64%10.18%3.145678351092%$93.52576
2008 Q2$0.813.26%9.94%2.848394805363%$98.02288
2008 Q1$0.8083.22%9.73%2.711803099472%$88.90677
2007 Q4$0.8153.05%9.41%2.440688875909%$98.88087
2007 Q3$0.8182.76%9.13%2.340259311882%$114.55927
2007 Q2$0.8072.54%8.84%2.363084061936%$108.09341
2007 Q1$0.7942.59%8.76%2.336366057381%$93.59686
2006 Q4$0.8212.62%8.69%2.218658746013%$104.5074
2006 Q3$0.8212.58%8.32%2.016413049442%$129.06468
2006 Q2$0.7962.22%8.21%1.785888191911%$114.32654
2006 Q1$0.7882.15%7.66%1.66005167293%$101.25159
2005 Q4$0.7922.09%7.34%1.66985341686%$108.5503
2005 Q3$0.832.03%7.13%1.66214576278%$159.71587
2005 Q2$0.7741.99%6.69%1.675056062225%$150.70419
2005 Q1$0.7252.38%6.78%1.691132031303%$100.42827
2004 Q4$0.7282.42%6.98%1.779362013273%$109.82114
2004 Q3$0.7512.27%7.19%1.770957477689%$115.95949
2004 Q2$0.7432.17%7.29%1.821569298269%$117.46899
2004 Q1$0.722.32%7.42%1.965910639139%$111.95614
2003 Q4$0.7042.16%7.79%2.044332409417%—
2003 Q3$0.6842.16%8.03%2.139293282993%—
2003 Q2$0.6222.26%8.5%2.1881880283%—
2003 Q1$0.6412.33%8.57%2.179189245767%—

Source: Federal Reserve Bank of New York. Exact values from the committed normalized source dataset.

Definitions

Auto-loan balance

Outstanding U.S. auto-loan debt appearing in the New York Fed Consumer Credit Panel. The New York Fed’s auto-loan category includes both auto loans and vehicle leases reported to credit bureaus.

Balance 90+ days delinquent

Percentage of outstanding auto-loan balances 90 or more days delinquent. This is a stock measure. The New York Fed notes that the measure can include charged-off balances that remain on consumer credit reports, so it should not be treated as equivalent to lender-reported delinquency or default rates.

Flow into 30+ day delinquency

Annualized share of auto-loan balances newly transitioning into delinquency of 30 or more days, presented as a four-quarter moving sum. This is a flow measure.

Flow into serious 90+ day delinquency

Annualized share newly transitioning into serious delinquency of 90 or more days, presented as a four-quarter moving sum. This is a flow measure.

Auto-loan originations

New auto loans appearing on consumer credit reports during the reporting period. This is measured in dollars, not number of vehicles.

Methodology and Sources

The sole primary source is the Federal Reserve Bank of New York Quarterly Report on Household Debt and Credit, based on the New York Fed Consumer Credit Panel / Equifax. The latest period is 2026 Q2, released August 11, 2026. Stock delinquency, delinquency-flow, and origination measures are distinct and are not interchangeable.

No repossession counts are included; no secondary delinquency or default dataset is merged into this history; and no values are fabricated, estimated, interpolated, or substituted.

Auto Loan Delinquency, Repossession, and Bankruptcy

Persistent delinquency can eventually result in repossession. Treatment of a vehicle loan in bankruptcy depends on the borrower's circumstances and whether the case is under chapter 7 or chapter 13. See our guide to keeping a car in bankruptcy, plus related mortgage delinquency statistics.

This page does not report national repossession counts because this New York Fed dataset does not supply a directly comparable quarterly national repossession series.