US auto loan serious delinquencies are rising at an alarming pace: The share of auto loan balances at least 90 days past due hit 5.0% in Q1 2025, the most since the 2020 peak. This is also slightly below the post-2008 peak of 5.2%. Transitions into a delinquency of 30+ days reached 8.0% in Q1 2025, the highest in 15 years. Serious delinquencies continue to surge elevated interest rates pressure consumers. All while total US auto debt sits near a record 1.64 TRILLION. US consumers are struggling.