Report
Published March 26, 2025
Credit & Economic Trends Economic & Market Insights
In our Q1 Lending Conditions Chartbook, we break down the latest economic trends and dive deep into credit conditions across products and regions.
Insights include:
- The labor market appears on decent footing but there are signs of slowing.
- Credit growth remains subdued and is running below its pre-pandemic average as financial institutions maintain tight lending standards and interest rates remain elevated.
- Looking at origination activity, there has been a meaningful pickup among fintechs and in unsecured personal loans.
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White Paper
Closing the credit gap
White paper about income and credit trends – across gender, household dynamics, ethnicities and generational shifts. These new findings explain why closing the credit gaps is a strategic priority for lenders.
Download the white paper to learn about changing demographics across gender, household dynamics, ethnicities and generational shifts.
Learn how pivoting your approach and product offerings may help you broaden your customer base to become leaders in inclusive finance
Report
The Alt Labor Story
The longest U.S. government shutdown has paused official labor data, but private-sector insights reveal key trends shaping the job market. Alternative sources show slowing job creation, modestly higher unemployment, and signs of resilience consistent with the Fed’s outlook.
- Job growth weakened in late 2025 across major indicators
- Layoff announcements rose, but claims remain low
- Unemployment edged up in line with Fed projections
- Labor market stress remains relatively contained
Webinar
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:
- The latest economic and credit trends
- Labor market and consumer health
- Student loan update
Video
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!