Report
Published January 7, 2025
Economic & Market Insights
The economy is heading into the new year on solid footing and the credit environment is showing early signs of stabilizing after two years of rising delinquency, tighter lending standards, and slowing credit growth. In the Q4 Lending Conditions Chartbook, Chief Economist Joseph Mayans breaks down key economic trends and dives deep into the latest developments in credit conditions across products and regions.
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Report
Energy Shock vs. Consumers
Consumers have powered the U.S. economy through repeated shocks, but new pressures are testing their resilience. As energy prices rise and economic conditions shift, the outlook is becoming more uncertain.
- Labor market strength is weakening
- Income and wage growth are slowing
- High equity exposure increases risk
Infographic
2026 H1 Alternative financial services trends snapshot: growth, risk and where it’s moving
Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:
- Loan volume is up 21% YoY across installment and single pay products
- Installment bad rates declined 6.8% YoY
- Returning borrowers grew 26.5% YoY in RTO/LTO
Webinar
Understanding the Consumer: Trends in Financial Behavior and Spending Patterns
Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.
- Key trends in spending, income stability, and cash flow
- What credit and cash flow signals reveal about your customers
- How to apply these insights to marketing, risk, and growth strategies
Report
Q1 2026 Lending Conditions Chartbook
The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.
- Delinquencies stabilizing, standards easing
- Rising costs pressuring consumer affordability
- New risks shaping lending growth outlook