Auto Credit Is Expanding Slightly, but Risk Remains Uneven
U.S. auto lending is edging higher, but debt growth and repayment stress remain concentrated among weaker-credit borrowers and nonprime portfolios.
Auto Loans
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Federal Reserve: Credit-Card Borrowing Picked Up as Consumer Loan Costs Stayed High
Consumer-credit flows accelerated after a slower start to 2026, with the strongest increase in credit-card balances as auto-loan rates remained above 2019 levels.
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CFPB auto-loan dashboard shows 2.2 million December originations and fewer inquiries
The Consumer Financial Protection Bureau updated its Consumer Credit Trends dashboards on July 22, 2026, adding newer national data on borrowing and repayment patterns from a representative sample of credit records.
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CFPB credit dashboards show stronger mortgage and credit-card originations in latest data
The Consumer Financial Protection Bureau updated its national consumer-credit dashboards on July 22, adding data on auto loans, credit cards, mortgages and student loans while cautioning that the information reflects records from one nationwide reporting agency.
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CFPB credit-card dashboard shows 8.6 million new cards and 15.6% annual growth
The Consumer Financial Protection Bureau has updated its national Consumer Credit Trends dashboards with data on credit originations, inquiries and borrower risk across four major lending markets.
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Fed says credit-card balances are rising as borrowing costs stay high
Federal Reserve data show credit-card and auto-loan balances are picking up, while high interest rates and delinquency risks weigh more heavily on vulnerable households.
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More Americans Are Applying for Credit, but Rejections Rose Slightly in June
New York Fed data show more Americans sought credit in June, while reported rejections edged up and 34% said they might need $2,000 for an emergency.