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Subprime Share of New Credit Cards and Auto Loans
Share of new accounts opened by consumers with subprime credit scores, %
Plays the chart through its history. Pauses are where the data set a record or moved most.
Continuation isn't available for Credit cards: Last observation was 236 days ago — too stale to project.
Continuation isn't available for Auto loans: Last observation was 236 days ago — too stale to project.
CFPB Consumer Credit Trends, from a nationally representative sample of credit records at one nationwide credit bureau. Published several months after the month it covers. Subprime is the CFPB’s deep subprime and subprime tiers of FICO Score 8; consumers without a score are left out.
How far down the credit spectrum lenders are reaching. Card lenders pulled back hard from subprime borrowers in the financial crisis; the lines show how standards have moved since.
What this chart reads
- Subprime Share of New Credit Cards (CFPB)as “Credit cards”latest 2026-03-01
- Subprime Share of New Auto Loans (CFPB)as “Auto loans”latest 2026-03-01
Sources
Subprime Share of New Credit Cards (CFPB). Source: Consumer Financial Protection Bureau, Consumer Credit Trends (consumerfinance.gov/data-research/consumer-credit-trends), the all-data CSV (series "Originations", subgroup "score", loan type CRC, unadjusted). The CFPB builds it from a nationally representative sample of de-identified credit records from one of the three nationwide consumer reporting agencies. The CCT page: "The data and analyses presented herein are the sole product of the CFPB"; the CFPB's legal notice: "Information created by the CFPB is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau's permission." Source: CFPB, Consumer Credit Trends. Refreshed weekly, which re-reads the full CSV.
Subprime Share of New Auto Loans (CFPB). Source: Consumer Financial Protection Bureau, Consumer Credit Trends (consumerfinance.gov/data-research/consumer-credit-trends), the all-data CSV (series "Originations", subgroup "score", loan type AUT, unadjusted). The CFPB builds it from a nationally representative sample of de-identified credit records from one of the three nationwide consumer reporting agencies. The CCT page: "The data and analyses presented herein are the sole product of the CFPB"; the CFPB's legal notice: "Information created by the CFPB is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau's permission." Source: CFPB, Consumer Credit Trends. Refreshed weekly, which re-reads the full CSV.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.