Subprime credit delinquencies increased in June, growing 2.5% year-over-year. There is growing repayment distress among the lowest VantageScore credit tiers, according to the latest edition of CreditGauge™ published today by VantageScore. Credit delinquencies increased across most products and delinquency bands, except for Credit Cards. Credit Cards showed only modest improvements across all Days-Past-Due (DPD) categories. The average VantageScore remained at 702.

A growing portion of VantageScore Subprime consumers are struggling to get current on credit payments and are progressing into more severe stages of delinquency. We see indications of deepening strain in most credit sectors, including Auto Loans.

– Susan Fahy, EVP and Chief Digital Officer at VantageScore

Watch CreditGauge LIVE for additional key insights from the June 2025 edition of CreditGauge that include:

AUTO LOAN DELINQUENCIES SHOW HIGHEST INCREASE ACROSS PRODUCTS: Auto Loan credit delinquencies showed the clearest upward trend amongst all credit products, signaling renewed borrower strain after increased new credit originations in recent months. Delinquencies increased across all days past due categories, both month-over-month and year-over-year, and surpassed pre-pandemic levels.

MID-, LATE-STAGE CREDIT DELINQUENCIES ON THE RISE: Mid-stage (60-89 DPD) and late-stage (90-119 DPD) credit delinquencies rose modestly both month-over-month and year-over-year. This suggests that a portion of borrowers are struggling to resolve their debts and are progressing into more severe stages of delinquency. Additionally, early-stage delinquencies (30-59 DPD) for Auto Loans and Mortgages increased year-over-year by 0.07% and 0.06%, respectively.

NEW CREDIT CARD ACCOUNT ORIGINATIONS DECLINE: In June 2025, Credit Card originations declined month-over-month by 0.05%, as lenders become more cautious about extending credit. Year-over-year, credit originations have declined across Auto Loans (-0.07%), Credit Cards (-0.04%), and Personal Loans (-0.04%) compared to June 2024, signaling tighter lending conditions.

CreditGauge is a monthly analysis highlighting the overall health of U.S. consumer credit. To download this month’s full CreditGauge report, visit the VantageScore website.

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