NEW JERSEY — New Jersey ranks fifth in the nation among states seeing the sharpest increase in auto loan delinquencies, according to a new study by personal finance company WalletHub.
The report found delinquency rates rose in 49 states between the third and fourth quarters of 2025, highlighting growing financial strain among borrowers and increased risks of credit damage and vehicle repossession.
WalletHub analyzed proprietary consumer data to compare changes in delinquency rates across all 50 states during that period.
In New Jersey, 17.08% of auto loan tradelines were delinquent in the fourth quarter of 2025. The state also saw an 8.31% increase in the average number of delinquent auto loan accounts compared with the previous quarter.
The findings place New Jersey among the states experiencing the most significant increases in missed auto loan payments nationwide.
The full report, including rankings for all states, is available on WalletHub’s website.
