Share of car loans transitioning into 90+ delinquency in the U.S. 2007-2023, by age

In 2023, Americans in the 18 to 29 age group had the highest amount of car loans transitioning into serious delinquency. These figures signal the share of borrowers whose car loan balance went from early delinquency to serious delinquency in the last quarter. That means that in 2023, 3.39 percent of the car loans granted to people in their thirties reached the 90-days-late threshold that marks serious delinquency. The average share of car loans in serious delinquency in the U.S. independently of age was 3.95 percent in 2023.

在2023年，美国18至29岁年龄段的美国人汽车贷款违约情况最为严重。这些数据揭示了在过去一个季度内，汽车贷款余额从初期违约过渡到严重违约的借款人比例。换言之，在2023年，授予三十岁年龄段人群的汽车贷款中，有3.39%的贷款违约程度达到了90天逾期，标志着严重违约。不考虑年龄因素，美国2023年严重违约的汽车贷款平均占比为3.95%。