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Car financing and leasing in the United States

Statistics report on car financing and leasing in the U.S.

This report provides statistical information on financing and leasing of passenger cars in the United States. It presents an overview of the automotive finance market in the country, followed by specific chapters on loans and leasing. Lastly, it includes some chapters on the credit conditions for auto loan consumers, such as payments and maturity, interest rates, as well as risk and delinquency.

Table of contents

Car loans

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  • Premium Statistic Composition of household credit in the U.S. 2003-2024, by type of lending
  • Premium Statistic Total car loan balances in the U.S. 2006-2025
  • Premium Statistic Share of used and new U.S. vehicles with financing 2022-2025
  • Premium Statistic Distribution of vehicle loans in the U.S. 2020-2025, by lender type
  • Premium Statistic Value of car loan originations in the U.S. 2007-2024, by age
  • Premium Statistic Demand for car loans in the U.S. 2012-2026
  • Premium Statistic Tightening standards for car loans in the U.S. 2017-2026

Car leases

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  • Premium Statistic Share of all new U.S. vehicles that are leased 2017-2025
  • Premium Statistic Number of leases of new vehicles in the U.S. 1990-2022, by vehicle type
  • Premium Statistic Market share of leading new leasing vehicle models in the U.S. 2025
  • Premium Statistic U.S. automotive rental and leasing industry ad spend 2023-2024

Payments & maturity

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  • Premium Statistic Car financing payments and amount financed in the U.S. 2025
  • Premium Statistic Average financing amount of new and used vehicles 2015-2026
  • Premium Statistic Average U.S. monthly payment for new and used vehicle financing 2023-2025, by type
  • Premium Statistic Average U.S. monthly payment for new vehicle financing 2022-2025
  • Premium Statistic Auto loan terms of new and used U.S. vehicles 2025
  • Premium Statistic Average maturity of new car loans at finance companies in the U.S. 2011-2024

Interest rates

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  • Premium Statistic Car loan interest rates in the U.S. 2025, by type and maturity
  • Premium Statistic Car loan interest rates in the U.S. 2019-2025, by type
  • Basic Statistic Monthly car loan rates in the U.S. 2014-2026
  • Premium Statistic Annual percentage rate of new car loans in selected U.S. states 2026, by type of car
  • Premium Statistic Annual percentage rate of used car loans in selected U.S. states 206, by type of car

Risk and delinquency

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  • Premium Statistic Distribution of U.S. car loan originations 2020-2025, by risk segment
  • Premium Statistic Growth rate of car loans in the U.S. Q1 2005-Q3 2024, by risk score
  • Premium Statistic Value of car loans originated in the U.S. 2004-2024, by risk score
  • Premium Statistic Average credit score of new car loans and leases in the U.S. 2020-2025
  • Premium Statistic Average credit score of used and new car loan originations in the U.S. 2015-2025
  • Premium Statistic Share of car loans transitioning into 90+ delinquency in the U.S. 2007-2024, by age
  • Premium Statistic Share of 90+ delinquent auto loan balances in the U.S. 2003-2024
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