Why US Auto Loan Delinquencies Are Surging in 2026

New data shows US auto loan delinquencies have climbed to levels not seen since the 2008 financial crisis. With used car prices falling and interest rates staying elevated, borrowers who bought vehicles during the pandemic shortage are now underwater on their loans. Lucas and Luna break down the numbers: subprime borrowers are missing payments at a 12.7% rate, up from 8.5% two years ago. They explore how this is affecting auto lenders like Ally Financial and Credit Acceptance, and what rising delinquencies mean for consumer credit more broadly. Plus, the hosts discuss whether this is a warning signal for the broader economy or just a sector-specific correction. A specific, data-driven conversation about one of the most overlooked stress points in household finances today. #AutoLoans #Delinquency #Subprime #ConsumerDebt #AllyFinancial #CreditAcceptance #UsedCarPrices #FedPolicy #Economics #FexingoBusiness #BusinessPodcast #Finance #Economy #Lending #CreditRisk #HouseholdDebt #InterestRates #AutoIndustry Keep every episode free: buymeacoffee.com/fexingo