Published 6 days ago • loading... • Updated 6 days ago

Cities Where People Are the Most Delinquent on Debt

WalletHub's new analysis ranks the 100 largest U.S. cities by debt delinquency rates using Q4 2025 proprietary data, identifying where Americans face the highest challenges with loan payments.
To identify cities most behind, the analysis assigned equal weight to the share of individual tradelines in delinquency and the portion of total loan balances past due.
Detroit ranks as the most delinquent city, with residents behind on 15.7% of all loans and lines of credit. By dollar amount, 20.2% of total debt is delinquent, the highest rate in the country.
"Being delinquent on debt can significantly damage a person's credit score and make it harder to get a credit card, rent an apartment or buy a car or home in the future," said Chip Lupo, an analyst at WalletHub.
Borrowers generally have at least 30 days before delinquency is reported to credit bureaus, giving people some leeway to gather funds and avoid credit score damage, though issuers will likely still charge late fees.

Insights by Ground AI

14 Articles

WAGA

Reposted by

livenowfox.com

Center

These US cities have the highest debt delinquency rates in 2026, new data shows

A WalletHub analysis of Q4 2025 data across the 100 largest U.S. cities finds that debt delinquency varies significantly by location, highlighting where financial strain is most severe.

6 days ago·Atlanta, United States

Read Full Article