State of the Auto Finance Market — Q2 2026 Report
Quarterly report · Q2 2026
State of the auto finance market
Structural, credit, and servicing analysis for chief risk and chief lending officers. Eighteen readings on where auto portfolios are absorbing stress, and what the numbers require next.
Household debt$18.8TLeveled off — NY Fed Q2 2026
Auto loan debt$1.71T+$28B in the quarter, a record
90+ DPD, auto5.6%against 4.7% all consumer debt
Auction recovery50–55%down from an 80% pandemic peak
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Sourced from NY Fed, TransUnion, Experian, NCUA, Cox Automotive, and CFPB supervisory reporting. Provided for educational and informational purposes; not legal, accounting, financial, or investment advice.
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Driver stacking
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