The rate of auto loan delinquencies remained unchanged in the fourth quarter of 2025, according to the Federal Reserve Bank of New York’s recent Household Debt and Credit report.
The report showed auto loan delinquencies remained slightly under 3 percent. The rate of delinquencies on auto loans trailed the average of all debt at 3.26 percent.
Auto loan originations slowed in the fourth quarter to $180.8 billion from the $183.9 billion in the previous quarter. Originations were up year over year from the fourth quarter 2024’s 175.1 billion.
The median credit score dropped from 724 to 716.
