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Report: Auto Loan Delinquencies Are Rising

By Mary Ellen Murphy Oct 19, 2025 | 11:13 AM

Undated) – More Americans are feeling the burden of increasing auto loan debt. A report from VantageScore shows auto delinquencies are up over 50-percent since 2010 and have moved from the safest to riskiest consumer commercial credit product in that time frame. It cites record-breaking car prices, higher maintenance and insurance costs and higher interest rates as key factors. Longer term loans are also a culprit. V

Score says delinquencies in other loan categories, like credit cards and first mortgages, have declined since the first quarter of 2010 making auto loans an outlier.

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