Missed Auto Loan Payments on the Rise 

Consumers across the credit spectrum are struggling to make car payments. Delinquencies for subprime auto loan borrowers climbed to nearly 6.5 percent in January and remained elevated throughout 2025. Additionally, 2 percent of all auto loans were significantly overdue in August. High prices, high interest rates, and the resumption of student loan payments have put additional strain on consumer budgets. Meanwhile, industry analysts suggest that the recent Tricolor Holdings bankruptcy may be further evidence of the struggles faced by lower-credit borrowers.

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