With Americans owing nearly $14,000 in auto loan debt per household and $1.7 trillion in total, the personal-finance company WalletHub today released its report on the Cities Where Auto Loan Debt Is Increasing the Most. WalletHub ranked the cities with the largest auto loan debt increases based on its proprietary data on consumer debt from Q4 2025 to Q1 2026.
| Biggest Increase | Smallest Increase |
| 1. Winston-Salem, NC | 91. San Francisco, CA |
| 2. Scottsdale, AZ | 92. Philadelphia, PA |
| 3. Norfolk, VA | 93. Tucson, AZ |
| 4. Irvine, CA | 94. New Orleans, LA |
| 5. Portland, OR | 95. Detroit, MI |
| 6. North Las Vegas, NV | 96. Seattle, WA |
| 7. Oakland, CA | 97. Lincoln, NE |
| 8. Boise, ID | 98. St. Louis, MO |
| 9. Chula Vista, CA | 99. San Jose, CA |
| 10. Fremont, CA | 100. Stockton, CA |
For the full report, please visit:
https://wallethub.com/edu/
“A big increase in auto loan debt in a city can either show that residents are experiencing financial difficulty because they need to borrow more, or that residents are responsible because they can qualify for larger loan amounts. In most of the top 10 cities driving up auto debt, the extra debt is a bad sign because those cities tend to have high debt delinquency rates and a lot of people experiencing financial distress.”
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“Winston-Salem, NC, residents increased their average auto loan balance by over 3.1% between Q4 2025 and Q1 2026, the second-largest increase in the country. This brought the average auto loan balance in the city to $19,239 and the average monthly payment to $475.”
- Chip Lupo, WalletHub Analyst
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