G.

20 Finance Companies1 For immediate release

May 2025 July 2025

Owned and Managed Receivables Outstanding2

Seasonally adjusted. Billions of dollars except as noted.
2024 2025
r r r p
2020 2021 2022 2023 2024 Q1 Q2 Q3 Q4 Q1 Mar Apr May

Total percent change (annual rate)3 -2.3 -4.1 0.7 5.7 3.4 3.4 5.2 3.6 1.3 -1.4 0.1 1.2 2.0
Consumer 0.6 1.1 -5.3 4.1 2.3 1.4 1.4 2.8 3.6 -0.9 -3.1 0.8 -3.0
Real estate -6.1 -12.4 -3.3 -2.8 -2.2 -3.3 -0.4 -2.3 -2.8 -1.7 1.2 -3.6 2.0
Business -6.7 -12.3 14.7 13.1 7.7 9.5 13.2 7.3 0.1 -1.9 3.8 4.0 8.7

Total flow (annual rate)4 -28.8 -49.8 13.1 102.8 64.7 64.4 99.8 69.2 25.5 -27.6 1.5 23.3 39.3
Consumer 4.2 8.0 -49.2 36.6 21.5 13.3 12.9 26.1 33.8 -8.5 -29.0 7.2 -28.1
Real estate -7.2 -13.6 -11.5 -9.5 -7.3 -11.1 -1.3 -7.6 -9.2 -5.6 3.9 -11.7 6.5
Business -25.9 -44.3 73.7 75.6 50.5 62.2 88.2 50.6 0.9 -13.6 26.6 27.8 60.9

Total outstanding 1,204.3 1,789.5 1,802.6 1,905.4 1,970.1 1,921.5 1,946.4 1,963.7 1,970.1 1,963.2 1,963.2 1,965.2 1,968.4
Consumer 733.5 934.5 885.3 922.0 943.5 925.3 928.5 935.0 943.5 941.4 941.4 942.0 939.6
Real estate 110.0 352.6 341.1 331.6 324.3 328.9 328.5 326.6 324.3 323.0 323.0 322.0 322.5
Business 360.8 502.5 576.2 651.8 702.3 667.4 689.4 702.1 702.3 698.9 698.9 701.2 706.3

Auto Loans: Terms of Credit5

Not seasonally adjusted.

New car loans

Interest rates (percent) 5.2 4.6 5.2 6.7 6.2 6.2 6.3 6.2 6.0 6.4 6.4 n.a. n.a.
Maturity (months) 69 67 67 66 66 66 66 66 65 66 66 n.a. n.a.
Amount financed (dollars) 34,449 35,307 38,900 38,716 39,386 38,804 39,350 39,277 40,115 39,834 39,834 n.a. n.a.

Used car loans

Interest rates (percent) 13.6 13.5 14.2 15.7 16.7 17.0 16.6 16.6 16.5 16.9 16.9 n.a. n.a.
Maturity (months) 64 65 66 66 66 66 66 66 66 66 66 n.a. n.a.
Amount financed (dollars) 19,636 22,208 25,033 23,985 24,005 23,673 24,169 23,956 24,220 23,432 23,432 n.a. n.a.

Footnotes appear on the third page.

Owned and Managed Receivables Outstanding (Levels)2
(Billions of dollars)
Not seasonally adjusted

2024 2025
r r r p
2020 2021 2022 2023 2024 Q1 Q2 Q3 Q4 Q1 Mar Apr May

Total 1,204.3 1,789.5 1,802.6 1,905.4 1,970.1 1,911.9 1,946.3 1,960.7 1,970.1 1,953.7 1,953.7 1,955.3 1,957.0

Consumer 733.5 934.5 885.3 922.0 943.5 922.9 927.0 934.3 943.5 939.0 939.0 939.8 938.2
Motor vehicle loans 350.3 448.6 462.8 521.9 559.4 533.3 544.7 553.3 559.4 555.0 555.0 554.2 552.0
Motor vehicle leases 182.1 239.4 202.6 194.7 204.1 193.6 195.1 198.5 204.1 208.3 208.3 208.5 208.7
Revolving6 17.1 24.7 22.3 20.8 18.3 19.2 19.0 18.3 18.3 16.8 16.8 16.9 17.0
Other7 184.0 221.8 197.7 184.5 161.8 176.9 168.3 164.2 161.8 158.9 158.9 160.2 160.5

Real estate 110.0 352.6 341.1 331.6 324.3 328.3 328.0 325.6 324.3 322.4 322.4 321.7 322.0
One-to-four family 77.1 310.6 300.7 296.2 290.0 293.4 293.6 291.2 290.0 288.4 288.4 287.6 288.2
Other 32.9 42.0 40.4 35.4 34.3 34.8 34.4 34.4 34.3 34.0 34.0 34.1 33.9

Business 360.8 502.5 576.2 651.8 702.3 660.8 691.4 700.9 702.3 692.3 692.3 693.7 696.8
Motor vehicles 92.3 90.1 121.4 151.4 179.9 155.9 165.8 171.6 179.9 173.5 173.5 171.9 172.6
Retail loans 19.6 27.0 31.1 38.7 45.6 39.8 40.7 42.3 45.6 48.0 48.0 48.8 49.3
Wholesale loans8 64.1 52.4 80.4 103.0 123.7 106.3 115.4 119.0 123.7 114.7 114.7 112.2 112.4
Leases 8.6 10.7 9.9 9.7 10.6 9.8 9.7 10.3 10.6 10.9 10.9 10.9 10.9
Equipment 187.7 276.2 305.1 332.4 344.8 335.8 350.2 349.9 344.8 344.2 344.2 345.4 345.5
Loans 118.8 141.0 158.7 179.9 186.2 185.4 193.5 190.6 186.2 186.8 186.8 187.4 186.8
Leases 68.9 135.2 146.4 152.5 158.6 150.3 156.6 159.3 158.6 157.3 157.3 158.1 158.7
Other business receivables9 80.9 136.2 149.7 168.1 177.6 169.1 175.4 179.3 177.6 174.6 174.6 176.4 178.7
Footnotes appear on the third page.
Owned and Managed Receivables Outstanding (Flows)2,4
(Billions of dollars, annual rate)
Not seasonally adjusted

2024 2025
r r p
2020 2021 2022 2023 2024 Q1 Q2 Q3 Q4 Q1 Mar Apr May

Total -28.8 -49.8 13.1 102.8 64.7 26.2 137.5 57.6 37.6 -65.8 152.7 19.1 20.9

Consumer 4.2 8.0 -49.2 36.6 21.5 3.8 16.3 29.2 36.8 -17.9 -26.5 10.0 -19.9
Motor vehicle loans 28.9 20.4 14.2 59.2 37.4 45.2 45.6 34.8 24.1 -17.6 -23.6 -9.7 -26.3
Motor vehicle leases -9.4 -9.8 -36.8 -7.9 9.4 -4.2 5.7 13.6 22.4 16.9 11.5 3.0 2.2
Revolving6 -4.8 -5.6 -2.5 -1.4 -2.6 -6.7 -0.8 -2.8 0.1 -5.9 -5.5 1.1 1.2
Other7 -10.4 3.1 -24.1 -13.2 -22.7 -30.5 -34.2 -16.3 -9.8 -11.4 -8.8 15.5 3.0

Real estate -7.2 -13.6 -11.5 -9.5 -7.3 -13.4 -1.2 -9.6 -4.9 -8.0 -6.2 -7.5 3.5
One-to-four family -8.2 -12.0 -9.9 -4.5 -6.2 -11.1 0.7 -9.8 -4.7 -6.6 -1.6 -8.9 6.5
Other 1.1 -1.6 -1.5 -5.0 -1.1 -2.3 -1.9 0.2 -0.3 -1.4 -4.6 1.4 -3.0

Business -25.9 -44.3 73.7 75.6 50.5 35.9 122.4 37.9 5.7 -39.9 185.4 16.6 37.3
Motor vehicles -21.4 -24.2 31.3 29.9 28.5 18.3 39.6 23.2 32.8 -25.2 85.2 -20.1 8.9
Retail loans 1.4 2.2 4.1 7.6 6.9 4.3 3.6 6.4 13.3 9.7 4.4 9.3 6.1
Wholesale loans8 -22.2 -25.6 28.0 22.5 20.7 13.4 36.3 14.5 18.5 -36.0 79.5 -29.4 2.7
Leases -0.6 -0.8 -0.8 -0.2 0.9 0.6 -0.3 2.4 1.0 1.1 1.3 0.0 0.1
Equipment -9.2 -13.4 28.9 27.3 12.4 13.5 57.6 -1.1 -20.3 -2.5 56.5 14.9 1.4
Loans -2.1 8.4 17.7 21.2 6.3 22.1 32.4 -11.8 -17.6 2.7 49.8 6.1 -6.2
Leases -7.1 -21.8 11.2 6.1 6.2 -8.5 25.2 10.7 -2.7 -5.1 6.7 8.8 7.7
Other business receivables9 4.7 -6.6 13.5 18.4 9.6 4.0 25.2 15.8 -6.8 -12.2 43.7 21.8 27.0

Footnotes
1. Includes finance company subsidiaries of bank holding companies, but not of retailers and banks.
2. Owned receivables are those carried on the balance sheet of the institution. Managed receivables include outstanding balances of pools upon which securities have been issued; these balances
are no longer carried on the balance sheets of the loan originator. Data are shown before deductions for unearned income and losses. Components may not add to totals because of rounding.
3. The series may contain breaks that result from discontinuities in source data. Growth rates are adjusted to exclude the effect of such breaks. In addition, percent changes are at a simple annual
rate and are calculated from unrounded data.
4. Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in methodology, source data, and other technical
aspects of the estimation that could affect the level of credit.
5. Covers most of the captive and non-captive finance companies. The series of finance company car loan terms included in previous releases are discontinued. They remain available from the
Data Download Program.
6. Excludes revolving credit reported as held by depository institutions that are subsidiaries of finance companies.
7. Includes student loans, personal cash loans, mobile home loans, and loans to purchase other types of consumer goods such as appliances, apparel, boats, and recreation vehicles.
8. Credit arising from transactions between manufacturers and dealers, that is, floor plan financing.
9. Includes loans on commercial accounts receivable, factored commercial accounts, and receivable dealer capital; small loans used primarily for business or farm purposes; and wholesale and
lease paper for mobile homes, recreation vehicles, and travel trailers.

r=revised. p=preliminary. n.a.=not available.