Full text of G.20 Finance Companies : April 2025
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Finance Companies1 G.20 For immediate release February 2025 April 2025 Owned and Managed Receivables Outstanding2 Seasonally adjusted. Billions of dollars except as noted. Total percent change (annual rate)3 Consumer Real estate Business Total flow (annual rate)4 Consumer Real estate Business Total outstanding Consumer Real estate Business 2020 2021 2022 2023 2024 2023 r Q4 -2.3 0.6 -6.1 -6.7 -4.1 1.1 -12.4 -12.3 0.7 -5.3 -3.3 14.7 5.7 4.1 -2.8 13.1 3.4 2.3 -2.2 7.6 6.2 3.3 -2.7 15.1 3.4 1.4 -3.3 9.5 5.2 1.4 -0.4 13.2 3.5 2.8 -2.3 7.3 1.1 3.6 -2.8 -0.3 0.1 5.6 -1.5 -6.5 -3.1 1.6 -6.9 -7.7 -0.4 -1.3 0.5 0.3 -28.8 4.2 -7.2 -25.9 -49.8 8.0 -13.6 -44.3 13.1 -49.2 -11.5 73.7 102.8 36.6 -9.5 75.6 63.9 21.5 -7.3 49.7 116.4 30.5 -9.0 94.9 64.4 13.3 -11.1 62.2 99.8 12.9 -1.3 88.2 69.1 26.1 -7.6 50.5 22.3 33.8 -9.2 -2.3 1.3 52.4 -5.0 -46.1 -60.8 15.4 -22.4 -53.8 -7.9 -11.9 1.8 2.1 Q1 r Q2 r 2024 r Q3 Q4 r Dec r 2025 r p Jan Feb 1,204.3 1,789.5 1,802.6 1,905.4 1,969.3 1,905.4 1,921.5 1,946.4 1,963.7 1,969.3 1,969.3 1,964.2 1,963.6 733.5 934.5 885.3 922.0 943.5 922.0 925.3 928.5 935.0 943.5 943.5 944.8 943.8 110.0 352.6 341.1 331.6 324.3 331.6 328.9 328.5 326.6 324.3 324.3 322.5 322.6 360.8 502.5 576.2 651.8 701.5 651.8 667.4 689.4 702.0 701.5 701.5 697.0 697.2 Auto Loans: Terms of Credit5 Not seasonally adjusted. New car loans Interest rates (percent) Maturity (months) Amount financed (dollars) 5.2 69 34,449 4.6 67 35,307 5.2 67 38,900 6.7 66 38,716 6.2 66 39,353 7.0 65 38,519 6.2 66 38,804 6.3 66 39,350 6.2 66 39,277 6.0 65 39,979 6.0 65 39,979 n.a. n.a. n.a. n.a. n.a. n.a. Used car loans Interest rates (percent) Maturity (months) Amount financed (dollars) 13.6 64 19,636 13.5 65 22,208 14.2 66 25,033 15.7 66 23,985 16.7 66 23,987 15.9 66 24,082 17.0 66 23,673 16.6 66 24,169 16.6 66 23,956 16.5 66 24,149 16.5 66 24,149 n.a. n.a. n.a. n.a. n.a. n.a. Footnotes appear on the third page. Owned and Managed Receivables Outstanding (Levels)2 (Billions of dollars) Not seasonally adjusted 2023 2020 Total 2021 2022 2023 2024 Q4 2024 Q1 Q2 Q3 Q4 Dec 2025 r p Jan Feb 1,204.3 1,789.5 1,802.6 1,905.4 1,969.3 1,905.4 1,911.9 1,946.3 1,960.7 1,969.3 1,969.3 1,949.1 1,941.4 Consumer Motor vehicle loans Motor vehicle leases Revolving6 Other7 733.5 350.3 182.1 17.1 184.0 934.5 448.6 239.4 24.7 221.8 885.3 462.8 202.6 22.3 197.7 922.0 521.9 194.7 20.8 184.5 943.5 559.4 204.1 18.3 161.8 922.0 521.9 194.7 20.8 184.5 922.9 533.3 193.6 19.2 176.9 927.0 544.7 195.1 19.0 168.3 934.3 553.3 198.5 18.3 164.2 943.5 559.4 204.1 18.3 161.8 943.5 559.4 204.1 18.3 161.8 944.2 559.1 205.6 18.2 161.3 941.2 556.1 206.1 18.1 160.8 Real estate One-to-four family Other 110.0 77.1 32.9 352.6 310.6 42.0 341.1 300.7 40.4 331.6 296.2 35.4 324.3 290.0 34.3 331.6 296.2 35.4 328.3 293.4 34.8 328.0 293.6 34.4 325.6 291.2 34.4 324.3 290.0 34.3 324.3 290.0 34.3 322.9 288.2 34.7 322.9 288.5 34.4 Business Motor vehicles Retail loans Wholesale loans8 Leases Equipment Loans Leases Other business receivables9 360.8 92.3 19.6 64.1 8.6 187.7 118.8 68.9 80.9 502.5 90.1 27.0 52.4 10.7 276.2 141.0 135.2 136.2 576.2 121.4 31.1 80.4 9.9 305.1 158.7 146.4 149.7 651.8 151.4 38.7 103.0 9.7 332.4 179.9 152.5 168.1 701.5 179.9 45.6 123.7 10.6 344.0 186.2 157.8 177.6 651.8 151.4 38.7 103.0 9.7 332.4 179.9 152.5 168.1 660.8 155.9 39.8 106.3 9.8 335.8 185.4 150.3 169.1 691.4 165.8 40.7 115.4 9.7 350.2 193.5 156.6 175.4 700.8 171.6 42.3 119.0 10.3 349.8 190.6 159.2 179.3 701.5 179.9 45.6 123.7 10.6 344.0 186.2 157.8 177.6 701.5 179.9 45.6 123.7 10.6 344.0 186.2 157.8 177.6 682.1 169.9 47.5 111.7 10.7 339.1 182.4 156.7 173.1 677.3 167.3 47.7 108.9 10.7 338.6 182.6 156.0 171.5 Footnotes appear on the third page. Owned and Managed Receivables Outstanding (Flows)2,4 (Billions of dollars, annual rate) Not seasonally adjusted 2023 Total Consumer Motor vehicle loans Motor vehicle leases Revolving6 Other7 Real estate One-to-four family Other Business Motor vehicles Retail loans Wholesale loans8 Leases Equipment Loans Leases Other business receivables9 2024 2025 r p Jan Feb 2020 2021 2022 2023 2024 Q4 Q1 Q2 Q3 Q4 Dec -28.8 -49.8 13.1 102.8 63.9 131.4 26.2 137.5 57.4 34.5 87.3 -242.3 -92.3 4.2 28.9 -9.4 -4.8 -10.4 8.0 20.4 -9.8 -5.6 3.1 -49.2 14.2 -36.8 -2.5 -24.1 36.6 59.2 -7.9 -1.4 -13.2 21.5 37.4 9.4 -2.6 -22.7 32.1 52.5 -2.2 1.7 -19.9 3.8 45.2 -4.2 -6.7 -30.5 16.3 45.6 5.7 -0.8 -34.2 29.2 34.8 13.6 -2.8 -16.3 36.8 24.1 22.4 0.1 -9.8 61.8 40.2 33.6 0.1 -12.1 8.2 -3.3 18.6 -1.2 -5.9 -35.6 -35.3 5.9 -0.8 -5.4 -7.2 -8.2 1.1 -13.6 -12.0 -1.6 -11.5 -9.9 -1.5 -9.5 -4.5 -5.0 -7.3 -6.2 -1.1 -2.8 4.6 -7.4 -13.4 -11.1 -2.3 -1.2 0.7 -1.9 -9.6 -9.8 0.2 -4.9 -4.7 -0.3 3.2 3.5 -0.3 -17.6 -21.3 3.6 -0.1 3.2 -3.3 -25.9 -21.4 1.4 -22.2 -0.6 -9.2 -2.1 -7.1 4.7 -44.3 -24.2 2.2 -25.6 -0.8 -13.4 8.4 -21.8 -6.6 73.7 31.3 4.1 28.0 -0.8 28.9 17.7 11.2 13.5 75.6 29.9 7.6 22.5 -0.2 27.3 21.2 6.1 18.4 49.7 28.5 6.9 20.7 0.9 11.6 6.3 5.3 9.6 102.1 81.2 7.5 73.6 0.1 9.9 5.9 4.0 11.0 35.9 18.3 4.3 13.4 0.6 13.5 22.1 -8.5 4.0 122.4 39.6 3.6 36.3 -0.3 57.6 32.4 25.2 25.2 37.8 23.2 6.4 14.5 2.4 -1.3 -11.8 10.5 15.8 2.6 32.8 13.3 18.5 1.0 -23.5 -17.6 -5.8 -6.8 22.3 36.9 18.8 17.9 0.2 -0.6 18.4 -19.0 -14.0 -232.8 -119.5 23.0 -143.5 1.1 -58.6 -45.4 -13.2 -54.8 -56.7 -31.5 1.7 -34.2 1.0 -6.2 2.5 -8.8 -18.9 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.