U.S. Loan Market Statistics 2026: Mortgages, Auto, and Revolving Credit
Total consumer credit outstanding (seasonally adjusted, ballpark)
~$5.0 trillion
Source: Federal Reserve — Consumer Credit (G.19) (Dec 2025)Last updated 2026-04-01 · Federal Reserve — Consumer Credit (G.19)
What this means for you
Auto and personal loan rates remain highly sensitive to credit score and term — small FICO changes move monthly payments a lot.
Mortgage rates follow longer-term bond yields; consumer card rates follow shorter benchmarks plus risk spreads.
What the Data Says You Should Do
If your score improved, you may qualify for materially better auto and personal loan rates — compare current offers.
Auto loans
Refinance if your score improved
A better rate can cut hundreds off total interest.
Mortgages
Check refi breakeven vs your horizon
Closing costs matter as much as the rate.
Personal loans
Consolidate high-interest debt
Fixed payments can simplify payoff.
Dig deeper
FAQ
What is the average auto loan interest rate in 2026?
Published averages blend many credit profiles. Your rate depends on score, term, vehicle age, and lender.
Where does consumer credit data come from?
The Federal Reserve publishes the monthly G.19 Consumer Credit statistical release.
Sources
- Federal Reserve — Consumer Credit (G.19) (Dec 2025)
- CFPB — Consumer Credit Trends (2025)
For general guidance only — individual results vary. Not financial, legal, or tax advice.