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Missed payments on car loans, credit cards and lines of credit keep rising

90+ day delinquency rate by credit product, Canada, Q1 2014 to Q2 2026

Unit: percent of accounts
Compare series or markets · 4 selected
Missed payments on car loans, credit cards and lines of credit keep risingAuto loan delinquency hit 2.51% and line of credit delinquency hit 1.05% in Q2 2026, both the highest in the series CMHC published. Unit: percent of accounts. Not seasonally adjusted. Use left and right arrow keys to inspect observations. The data table follows the chart.Missed payments on car loans, credit cards and lines of credit keeprisingAuto loansCredit cardsLines of creditHELOCpercent of accounts0%0.5%1%1.5%2%2.5%3%Q1 2014Q3 2016Q1 2019Q3 2021Q1 2024Q2 2026CMHC, Residential Mortgage Industry Report, Fall 2026, figure 3 (Equifax data, CMHC calculations) · Through 2026-Q2Not seasonally adjustedHOMIES RESEARCH
Q2 2026Auto loans 2.51%Credit cards 1.91%Lines of credit 1.05%HELOC 0.17%

Auto loan delinquency hit 2.51% and line of credit delinquency hit 1.05% in Q2 2026, both the highest in the series CMHC published.

Source: CMHC, Residential Mortgage Industry Report, Fall 2026, figure 3 (Equifax data, CMHC calculations). Reference: 2026-Q2. Released 2026-10-27. Retrieved 2026-10-27.

Not seasonally adjusted · Covers all consumers, with and without a mortgage. Series starts in 2014.

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View accessible data table · 4 series, 50 observations

Showing the latest 12 observations.

Missed payments on car loans, credit cards and lines of credit keep rising. Unit: percent of accounts. Not seasonally adjusted
PeriodAuto loansCredit cardsLines of creditHELOC
Q3 20232.07%1.48%0.62%0.15%
Q4 20232.09%1.56%0.72%0.16%
Q1 20242.08%1.67%0.8%0.18%
Q2 20242.42%1.7%0.84%0.17%
Q3 20242.17%1.67%0.84%0.16%
Q4 20242.27%1.71%0.86%0.16%
Q1 20252.37%1.78%0.9%0.16%
Q2 20252.28%1.78%0.92%0.15%
Q3 20252.34%1.76%0.94%0.15%
Q4 20252.36%1.8%0.98%0.16%
Q1 20262.46%1.87%1.02%0.17%
Q2 20262.51%1.91%1.05%0.17%

Homies Research · CMHC Fall 2026 mortgage report, explained ↗