Report
Published April 27, 2020
Alternative Financial Services Credit & Economic TrendsClarity Services, a part of Experian, provides valuable alternative credit data to alternative financial service providers. Clarity's alternative data gives lenders a more complete picture of nonprime applicants, so they can make better and more informed decisions.
This report is packed with five years of Clarity data and enhanced with additional insights from Experian's national credit bureau. From market trends to changes in loan characteristics, the data inside will leave you more informed of the nonprime market than you've ever been before.
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Report
Q4 2025 Lending Conditions Chartbook
Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.
- Solid economic momentum heading into the new year
- Improving lending standards and rising credit demand
- Stable delinquency trends support healthier credit conditions
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Read the latest findings about "Closing the credit gap" white paper, and what they mean for financial inclusion and risk management.
Key insights:
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- Demographic shifts across gender, household structures, ethnicities, and generations are reshaping borrower profiles.
- Lenders who adapt their strategies and product offerings can expand their customer base, reduce default rates, and lead in inclusive finance.
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Macroeconomic forecasting and credit trends - November 2025
As we step closer to 2026, all eyes remain on the economic outlook, the labor market and consumer health. Experian’s Chief Economist Joseph Mayans, Director of Fintech Gavin Harding and Solution Insights Director Amanda Roth, will provide a look into:
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- Student loan update
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Rising Delinquencies Signal Growing Risk in Transportation & Warehousing
As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.
Check out the full report to see how these trends could impact your strategy!