Consumer credit

Trace consumer debt from balances to delinquency

How much credit Americans hold outside their mortgage, what it costs, how new lending is distributed across borrower groups, and how much of it goes bad. The Federal Reserve's G.19 release measures total consumer credit outstanding, seasonally adjusted, at $5,166.9 billion in Jun 2026, split into revolving credit (mostly cards, $1,351.1 billion) and nonrevolving credit (auto and student loans, $3,815.8 billion). CFPB Consumer Credit Trends adds originations, dollar volume, inquiries and credit tightness by loan type and by score or demographic cut. Cards carried a 20.94% average rate that quarter; the bank delinquency rate on card loans was 2.92%. Every figure on this page is computed from the Fed or CFPB data at build.

$5,166.9B

Total consumer credit

Jun 2026, SA (+2.4% y/y)

26.1%

Revolving share

$1,351.1B revolving

20.94%

Credit-card APR

all accounts, 2026:Q2

2.92%

Credit-card delinquency

2026:Q1, all commercial banks

Data as of G.19 volumes through Jun 2026, delinquency rates through 2026:Q1, CFPB CCT originations and dollar volume through Dec 2025, inquiry indices through Apr 2026

What this page is. The credit-volumes-and-delinquencies view of US consumer credit, from two Federal Reserve Board releases plus the CFPB Consumer Credit Trends file, which adds borrower-mix detail by loan type, score band, age group and neighborhood income band. It is not the CFPB complaints database (counts of grievances, not dollars), and it is not the NY Fed household-debt panel on conditions (the Equifax Consumer Credit Panel, which measures household debt including mortgages and the share of balances 90+ days delinquent). Here delinquency is the commercial-bank call-report rate and volume is the G.19 aggregate, which excludes mortgages. The three are complementary reads of the same households.

Consumer credit

CFPB Consumer Credit Trends adds the borrower mix behind the aggregates

The Federal Reserve data above tell the aggregate stock, price and bank-delinquency story. The CFPB Consumer Credit Trends file adds the distribution of new lending behind those totals. This page exposes the published monthly series one loan type at a time: auto loans, credit cards, mortgages and student loans stay separate markets; score-band, age and neighborhood-income cuts appear only where the parquet actually carries them; and the all-borrower Inquiry Index and Credit Tightness Index stay on their own January 2010 = 100 axis.

Source: CFPB Consumer Credit Trends Monthly CFPB Consumer Credit Trends series from the parquet on disk. Score, age and neighborhood-income breakouts exist for originations and dollar volume; the published indices are all-borrower only, and student-loan index rows are absent. Methodology

CFPB Consumer Credit Trends selector

Loan type

Breakout

Basis

Borrower risk profiles by previous-quarter FICO Score 8 band. The level charts stay on one seasonally adjusted basis at a time, and the year-on-year changes quoted below come from the file's precomputed value_yoy column rather than a page recomputation. For the score, age and income breakouts shown here, the file stores that change as a ratio, so the page displays it as a percent.

The parquet also carries a state subgroup, but only as 51 unadjusted dollar-volume rows for Dec 2025. That snapshot is recorded in the methodology and ledger rather than drawn as a one-point line.

Consumer credit

Auto originations by score band

Monthly CFPB Consumer Credit Trends counts of newly originated auto loans, shown in millions of loans. Coverage for this cut runs from Jan 2007 to Dec 2025. At the latest print in Dec 2025, the highest band was Superprime at 1.18M (-1.8% y/y); the lowest was Subprime at 0.14M (+2.9% y/y).

Deep Subprime <580Subprime 580-619Near Prime 620-659Prime 660-719Superprime 720+

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Source: CFPB Consumer Credit Trends Monthly counts of new loans originated. The selector keeps loan types separate and never mixes seasonally adjusted with unadjusted rows. Methodology

Consumer credit

Auto originations, dollar volume by score band

Monthly CFPB Consumer Credit Trends dollar volume of newly originated auto loans, shown in billions of dollars. Coverage for this cut runs from Jan 2007 to Dec 2025. At the latest print in Dec 2025, the highest band was Superprime at $39.9B (+1.5% y/y); the lowest was Subprime at $3.9B (+6.7% y/y).

Deep Subprime <580Subprime 580-619Near Prime 620-659Prime 660-719Superprime 720+

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Source: CFPB Consumer Credit Trends Monthly dollar volume of new loans. State rows exist only as the Dec 2025 unadjusted snapshot and are not merged into this chart. Methodology

Consumer credit

Auto inquiries and credit tightness

CFPB Consumer Credit Trends publishes two all-borrower indices for this market: the Inquiry Index and the Credit Tightness Index, both based to January 2010 = 100. This selector keeps them on an index axis and away from dollar levels. Coverage in the selected basis runs from Jan 2005 to Apr 2026; any later blank span is a missing publication, not a page interpolation.

Inquiry Index InquiryCredit Tightness Index Tightness

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Source: CFPB Consumer Credit Trends Inquiry Index = indexed number of consumers with inquiries, Credit Tightness Index = indexed number of consumers who applied for credit and did not obtain additional credit; both use January 2010 = 100. Methodology

Consumer credit

Nonrevolving loans dominate the US consumer-credit stock

US consumer credit from 1943 to 2026 measured monthly in billions. Nonrevolving credit, the auto and student loans that dominate the total, stands at $3,815.8 billion; revolving credit, mostly card balances, at $1,351.1 billion, 26.1% of the $5,166.9-billion total. Revolving credit is the cyclical leg: it fell outright after 2008 as households deleveraged and again in 2020. Over the year to Jun 2026 the total changed +2.4%.

Nonrevolving (auto, student) NONREVSLRevolving (mostly cards) REVOLSL

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Source: Federal Reserve G.19 Consumer Credit, via FRED (TOTALSL, REVOLSL, NONREVSL, TERMCB*) Monthly, seasonally adjusted; FRED serves these in millions, converted to billions here. Total consumer credit is defined as revolving plus nonrevolving (the identity is checked at every build). Shaded bands are the 2001, 2007-09, and 2020 recessions (NBER reference dates). Consumer credit excludes loans secured by real estate. Methodology

Consumer credit

Credit cards carry a double-digit rate premium over new-car loans

Quarterly US borrowing rates in percent over the charted period. The G.19 terms-of-credit table prices two very different debts. In 2026:Q2 the average credit-card rate across all accounts was 20.94%, and across accounts actually assessed interest it was 22.15%; the finance rate on a 48-month new-car loan at commercial banks was 7.47%. The card-to-car gap, roughly 13.5 points, is the price of unsecured revolving credit over a loan backed by collateral.

Credit-card APR, all accounts TERMCBCCALLNSNew-car 48-month loan rate TERMCBAUTO48NS

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Source: Federal Reserve G.19 Consumer Credit, via FRED (TOTALSL, REVOLSL, NONREVSL, TERMCB*) Quarterly prints (the G.19 terms table is quarterly), not seasonally adjusted. The new-car rate begins in 1972 and the credit-card rate in 1994, so the card line starts later. A third series, the card APR on accounts assessed interest, is cited in the text and available on FRED as TERMCBCCINTNS. Methodology

Consumer credit

Credit-card delinquency remains well below its series peak

Quarterly US delinquency and charge-off rates in percent from 1985 to present. The Federal Reserve's Charge-Off and Delinquency release measures loans past due at commercial banks. In 2026:Q1 the credit-card delinquency rate was 2.92%, consumer loans overall 2.64%, single-family mortgages 1.89%, and all loans 1.48%. The card record over the series' own history is 6.77% in 2009:Q2, and today's rate is 43 percent of that peak. The card charge-off rate, the share written off as a loss, ran 3.84% the same quarter.

Credit card DRCCLACBSConsumer loans DRCLACBSSingle-family mortgage DRSFRMACBSAll loans (benchmark) DRALACBS

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Source: Federal Reserve, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, via FRED Quarterly, seasonally adjusted, all commercial banks. A loan is delinquent when 30+ days past due and still accruing, plus nonaccrual loans. These call-report rates exclude credit unions and finance companies; the NY Fed panel on the conditions page covers a broader lender set through Equifax. The mortgage line here is the bank-book rate, a different construction from the household-panel delinquency shown on conditions. Methodology

Related: complaints about these products on consumer complaints; the household balance sheet and the NY Fed 90+ day delinquency panel on financial conditions; mortgage originations and denials on mortgage. Every series links to FRED: TOTALSL, DRCCLACBS. See the methodology for series definitions, the identity check, and every limitation.