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Auto loan standards
Auto loan standards is -2.1% net and has been rising over the last 3 months. That is in its normal range: higher than 54% of readings since 2011.
Latest (latest reading)
-2.1% net
As of
Q4 2026
3-month change
+2.40 % pts
1-year change
+3.70 % pts
20-year percentile
54th
20-year median
-3.3% net
What it is. Net share of banks tightening auto loan terms (from 2011). A higher reading means more credit stress in the Credit reading.
What it affects next
Auto loan standards is rising: -2.1% net (+2.40 % pts in 3 months, 54th percentile of the last 20 years). Here is what has tended to follow, based on links the data backs up.
No tested downstream links to trace yet.
What is driving it
None of its tested drivers is moving much right now.
Source: Federal Reserve Senior Loan Officer Survey via FRED (series STDSAUTO).