Delinquency Rate on Consumer Loans (ex credit card)
Non-credit-card consumer loan delinquency
What is the current Delinquency Rate on Consumer Loans (ex credit card)?
The delinquency rate on consumer loans excluding credit cards — covering auto loans, personal loans, and other non-revolving consumer credit — was 2.27% in Q4 2025, according to the Federal Reserve Board. This measure isolates installment loan performance from the higher-volatility credit card segment, providing a cleaner signal of consumer repayment capacity on fixed-payment obligations like auto loans and personal loans. Source: Federal Reserve via FRED (DROCLACBS).
Consumer loan delinquency still 50% above its 2021 floor
Board of Governors data. At 2.3%, the rate has improved from its 2024 peak but remains well above the 1.5% post-pandemic low.
Explore Further
How has Delinquency Rate on Consumer Loans (ex credit card) 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 | 2.27% | −0.2 pts |
| Q3 2025 | 2.33% | +0.1 pts |
| Q2 2025 | 2.39% | +0.2 pts |
| Q1 2025 | 2.38% | +0.2 pts |
| Q4 2024 | 2.43% | +0.3 pts |
| Q3 2024 | 2.19% | +0.1 pts |
| Q2 2024 | 2.2% | +0.2 pts |
| Q1 2024 | 2.14% | +0.1 pts |
| Q4 2023 | 2.14% | +0.3 pts |
| Q3 2023 | 2.09% | +0.3 pts |
| Q2 2023 | 2.02% | +0.2 pts |
| Q1 2023 | 2% | +0.4 pts |
Frequently Asked Questions
What is the consumer loan delinquency rate excluding credit cards?
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.
Why exclude credit cards from consumer loan delinquency?
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.
How does this relate to credit card delinquency?
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.
How does consumer loan delinquency connect to the American Distress Index?
Consumer loan delinquency is a component of the Debt Stress dimension in the American Distress Index, which carries 41.6% of the composite score — the largest share of any component. It complements credit card delinquency and mortgage delinquency to capture the full spectrum of household debt performance across loan types.
Where does this data come from?
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.
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