WalletHub: Cities Where Auto Loan Delinquency Is Decreasing the Most
As auto loan delinquency rates continue to decline nationwide between Q1 and Q2 of 2025, the personal-finance company WalletHub released an updated report highlighting the Cities Where Auto Loan Delinquency Is Decreasing the Most.
The report aims to spotlight areas where residents face a lower risk of credit score damage and vehicle repossession.
“It’s encouraging to see that many cities had significant decreases in the auto loan delinquency rate between Q1 and Q2 2025,” said Chip Lupo, WalletHub analyst. “This demonstrates either that economic conditions are improving or that people are prioritizing getting current with payments on secured debt like auto loans so they don’t get their property repossessed. Whatever the root cause of reduced delinquency rates, it’s good news for consumers and the economy overall.”
To determine the rankings, WalletHub analyzed proprietary consumer data across 100 of the largest U.S. cities, focusing on changes in auto loan delinquency rates between Q1 and Q2 of 2025.
Decreasing the Most
- Winston-Salem, North Carolina
- Boise, Idaho
- Honolulu
- Denver
- Laredo, Texas
- Gilbert, Arizona
- Greensboro, North Carolina
- Portland, Oregon
- Newark, New Jersey
- Nashville, Tennessee
Decreasing the Least
- Glendale, Arizona
- Chula Vista, California
- San Jose
- Scottsdale, Arizona
- Anaheim, California
- Garland, Texas
- Seattle, Washington
- Stockton, California
- Fremont, California
- Madison, Wisconsin
For the full report and to see where your city ranks, click here.
About the Author
FenderBender Staff Reporters
The FenderBender staff reporters have nearly four decades of combined journalism and collision repair experience.