Auto Loan Serious Delinquency 90+ Days (NY Fed CCP)
NY Fed data
What is the current Auto Loan Serious Delinquency 90+ Days (NY Fed CCP)?
The auto loan serious delinquency rate (90+ days past due) reached 5.21% of balances in Q4 2024, according to the NY Fed Consumer Credit Panel. Auto loan delinquency is a key signal because car payments are typically prioritized over other debts — when borrowers fall behind on auto loans, it signals severe household financial stress. Source: NY Fed Consumer Credit Panel / Equifax.
Auto loan serious delinquency within 0.1 points of the GFC peak
NY Fed data. At 5.2%, auto 90+ day delinquency is approaching the 5.3% record set in 2010. The lowest-income borrowers are driving the deterioration.
Explore Further
Is this happening to you?
Is your car payment harder to manage than when you first signed the loan?
How has Auto Loan Serious Delinquency 90+ Days (NY Fed CCP) changed over time?
Most affected counties
Counties with the highest consumer credit distress scores in the County Distress Index.
Explore all 3,144 counties →| 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 the auto loan serious delinquency rate?
The auto loan serious delinquency rate measures the share of auto loan balances that are 90 or more days past due. At 5.21% in Q4 2024, it reflects borrowers who are at least 3 months behind on car payments.
Why are auto loan defaults important?
Auto loans are typically prioritized over other debts because losing a car means losing the ability to work. Rising auto delinquency signals severe household financial distress — borrowers have exhausted other options.
Where does this data come from?
This data comes from the NY Fed Consumer Credit Panel, based on Equifax credit bureau records, published quarterly.
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