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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
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Households
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Home / Liabilities / Personal Loans

Personal Loans

Time series data on unsecured personal loan debt in the United States, a fast-growing category driven by fintech lenders, now totaling $276 billion across 26.4 million borrowers.

Personal loan balances surged to $276B in Q4 2025, 6x growth since 2011
Data View Commentary →
Total Personal Loan Debt Outstanding
$276B Q4 2025
Source: TransUnion Industry Insights Reports · Unsecured personal loan balances, quarterly
Number of Personal Loan Borrowers
26.4M Q4 2025
Source: TransUnion Industry Insights Reports · U.S. consumers with at least one personal loan, quarterly
Average Personal Loan Balance per Borrower
$11,800 Q4 2025
Source: LendingTree / TransUnion · Average outstanding balance per personal loan borrower, quarterly

Key Personal Loan Metrics

Data from TransUnion, LendingTree, and Federal Reserve reports.

Metric Value As Of Source
Total Personal Loan Balances $276 Billion Q4 2025 TransUnion
Borrowers with Personal Loans 26.4 Million Q4 2025 TransUnion
Average Debt per Borrower $11,724 Q3 2025 LendingTree
FinTech Share of Originations 42% Q3 2025 TransUnion
Delinquency Rate (60+ days) 3.52% Q3 2025 LendingTree
Share of Consumer Debt 1.4% Q3 2025 LendingTree
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