El incumplimiento de los pagos de préstamos para automóviles puede generar cargos por pagos atrasados a corto plazo, pero puede ser especialmente peligroso a largo plazo porque puede dañar su calificación crediticia y provocar el embargo de su vehículo.
Esto, a su vez, puede generar dificultades para llegar al trabajo y otras actividades esenciales, lo que coloca a una persona en una situación financiera aún más difícil.
La buena noticia es que la tasa de morosidad de los préstamos para automóviles está disminuyendo en muchas ciudades.
Para determinar dónde están disminuyendo más las tasas de morosidad y, por lo tanto, dónde las personas tienen menos riesgo de perder sus vehículos o sufrir un daño significativo en su calificación crediticia, WalletHub comparó 100 de las ciudades más grandes en función de datos propios del primer trimestre de 2024 al segundo trimestre de 2024.
Dado que la tasa de morosidad en los préstamos para automóviles está disminuyendo en los EE. UU. entre el primer y el segundo trimestre de 2024.
El sitio web de finanzas personales WalletHub publicó su nuevo informe sobre las ciudades donde la morosidad en los préstamos para automóviles está disminuyendo más, para mostrar dónde las personas tienen el menor riesgo de daño a su calificación crediticia y de embargo de vehículos.
Para identificar las ciudades donde la morosidad de los préstamos para automóviles está disminuyendo más, WalletHub comparó 100 de las ciudades más grandes de EE. UU. utilizando sus datos de usuario patentados sobre las tasas de morosidad de los consumidores entre el primer y el segundo trimestre de 2024.
Ciudades con menor morosidad en préstamos para automóviles:
| Clasificación general | Ciudad | Puntuación total | Porcentaje del número promedio de líneas de crédito para préstamos de automóviles en mora en el segundo trimestre del 2024 | Cambio en el número promedio de líneas de crédito para préstamos para automóviles en mora (segundo trimestre del 2024 frente al primer trimestre del 2024) |
|---|---|---|---|---|
| 1 | San Francisco, CA | 100.00 | 6.67% | -16.75% |
| 2 | Norfolk, VA | 83.28 | 15.48% | -11.95% |
| 3 | Portland, OR | 82.96 | 12.39% | -11.85% |
| 4 | Jersey City, NJ | 82.74 | 22.48% | -11.79% |
| 5 | Glendale, AZ | 81.77 | 18.91% | -11.51% |
| 6 | Madison, WI | 80.84 | 15.91% | -11.24% |
| 7 | Laredo, TX | 78.34 | 17.97% | -10.52% |
| 8 | Fremont, CA | 78.13 | 8.61% | -10.46% |
| 9 | Oklahoma City, OK | 77.42 | 14.17% | -10.26% |
| 10 | Omaha, NE | 74.42 | 13.60% | -9.40% |
| 11 | Baltimore, MD | 73.74 | 22.87% | -9.20% |
| 12 | Tulsa, OK | 72.87 | 13.94% | -8.95% |
| 13 | San Diego, CA | 72.83 | 10.96% | -8.94% |
| 14 | Durham, NC | 71.16 | 18.72% | -8.46% |
| 15 | Cincinnati, OH | 71.02 | 17.21% | -8.42% |
| 16 | Albuquerque, NM | 71.01 | 11.12% | -8.42% |
| 17 | Washington, DC | 70.56 | 16.08% | -8.29% |
| 18 | Dallas, TX | 70.19 | 16.82% | -8.18% |
| 19 | Mesa, AZ | 69.95 | 13.37% | -8.11% |
| 20 | Philadelphia, PA | 69.61 | 22.09% | -8.02% |
| 21 | Anaheim, CA | 69.45 | 11.86% | -7.97% |
| 22 | Austin, TX | 68.98 | 11.60% | -7.83% |
| 23 | Seattle, WA | 68.60 | 9.11% | -7.72% |
| 24 | Tucson, AZ | 67.68 | 12.28% | -7.46% |
| 25 | Chandler, AZ | 67.11 | 16.11% | -7.30% |
| 26 | New Orleans, LA | 67.08 | 21.66% | -7.29% |
| 27 | Scottsdale, AZ | 66.21 | 8.30% | -7.04% |
| 28 | Honolulu, HI | 66.13 | 10.37% | -7.01% |
| 29 | Arlington, TX | 66.02 | 15.61% | -6.98% |
| 30 | Cleveland, OH | 65.46 | 19.31% | -6.82% |
| 31 | Richmond, VA | 65.07 | 19.84% | -6.71% |
| 32 | San Jose, CA | 64.64 | 9.99% | -6.59% |
| 33 | Birmingham, AL | 64.14 | 25.98% | -6.44% |
| 34 | Gilbert, AZ | 64.08 | 8.59% | -6.42% |
| 35 | Colorado Springs, CO | 63.48 | 12.81% | -6.25% |
| 36 | Orlando, FL | 62.67 | 17.73% | -6.02% |
| 37 | Chicago, IL | 62.59 | 18.09% | -6.00% |
| 38 | Jacksonville, FL | 61.80 | 16.48% | -5.77% |
| 39 | El Paso, TX | 61.42 | 15.10% | -5.66% |
| 40 | Phoenix, AZ | 60.70 | 16.09% | -5.45% |
| 41 | Columbus, OH | 60.55 | 15.65% | -5.41% |
| 42 | Detroit, MI | 60.45 | 36.39% | -5.38% |
| 43 | Los Angeles, CA | 59.95 | 15.31% | -5.24% |
| 44 | Newark, NJ | 59.89 | 35.71% | -5.22% |
| 45 | Atlanta, GA | 59.66 | 19.20% | -5.15% |
| 46 | North Las Vegas, NV | 59.48 | 19.79% | -5.10% |
| 47 | Fort Wayne, IN | 59.40 | 14.80% | -5.08% |
| 48 | Milwaukee, WI | 59.40 | 23.84% | -5.08% |
| 49 | San Antonio, TX | 59.01 | 17.36% | -4.97% |
| 50 | Santa Ana, CA | 58.89 | 13.69% | -4.93% |
| 51 | Irving, TX | 58.88 | 18.67% | -4.93% |
| 52 | Raleigh, NC | 58.58 | 18.67% | -4.84% |
| 53 | St. Louis, MO | 58.39 | 13.82% | -4.79% |
| 54 | Stockton, CA | 58.30 | 15.26% | -4.76% |
| 55 | Long Beach, CA | 58.30 | 14.29% | -4.76% |
| 56 | Tampa, FL | 57.99 | 15.05% | -4.67% |
| 57 | Nashville, TN | 57.72 | 17.31% | -4.60% |
| 58 | New York, NY | 57.61 | 13.29% | -4.56% |
| 59 | Riverside, CA | 57.56 | 13.28% | -4.55% |
| 60 | Chula Vista, CA | 56.77 | 8.08% | -4.32% |
| 61 | Las Vegas, NV | 56.15 | 16.93% | -4.14% |
| 62 | Aurora, CO | 55.91 | 14.06% | -4.08% |
| 63 | Kansas City, MO | 55.82 | 16.18% | -4.05% |
| 64 | Baton Rouge, LA | 55.62 | 24.38% | -3.99% |
| 65 | Houston, TX | 55.15 | 20.00% | -3.86% |
| 66 | Pittsburgh, PA | 54.77 | 13.92% | -3.75% |
| 67 | Memphis, TN | 54.77 | 26.73% | -3.75% |
| 68 | Buffalo, NY | 54.48 | 18.51% | -3.66% |
| 69 | Miami, FL | 54.14 | 12.38% | -3.57% |
| 70 | Minneapolis, MN | 53.22 | 18.27% | -3.30% |
| 71 | Henderson, NV | 52.95 | 16.77% | -3.23% |
| 72 | Charlotte, NC | 52.85 | 21.33% | -3.19% |
| 73 | Indianapolis, IN | 52.58 | 19.32% | -3.12% |
| 74 | Toledo, OH | 52.51 | 15.12% | -3.10% |
| 75 | Virginia Beach, VA | 51.51 | 15.72% | -2.81% |
| 76 | Lubbock, TX | 50.26 | 16.00% | -2.45% |
| 77 | Greensboro, NC | 50.10 | 25.93% | -2.40% |
| 78 | Fort Worth, TX | 49.21 | 17.06% | -2.15% |
| 79 | Corpus Christi, TX | 48.98 | 16.80% | -2.08% |
| 80 | Wichita, KS | 48.75 | 13.93% | -2.02% |
| 81 | Fresno, CA | 48.21 | 14.53% | -1.86% |
| 82 | Plano, TX | 47.69 | 16.04% | -1.71% |
| 83 | Bakersfield, CA | 45.02 | 17.10% | -0.94% |
| 84 | Louisville, KY | 44.79 | 15.58% | -0.88% |
| 85 | Boise, ID | 43.30 | 9.51% | -0.45% |
| 86 | San Bernardino, CA | 42.81 | 18.05% | -0.31% |
| 87 | Denver, CO | 42.39 | 14.41% | -0.19% |
| 88 | Reno, NV | 41.74 | 13.75% | 0.00% |
| 89 | Oakland, CA | 40.83 | 18.33% | 0.26% |
| 90 | Hialeah, FL | 38.19 | 11.25% | 1.02% |
| 91 | Chesapeake, VA | 36.13 | 13.73% | 1.61% |
| 92 | Anchorage, AK | 35.20 | 18.73% | 1.88% |
| 93 | Des Moines, IA | 33.25 | 11.76% | 2.44% |
| 94 | Spokane, WA | 33.22 | 11.82% | 2.45% |
| 95 | Lincoln, NE | 32.24 | 9.94% | 2.73% |
| 96 | Sacramento, CA | 30.09 | 17.15% | 3.35% |
| 97 | Irvine, CA | 23.84 | 9.13% | 5.15% |
| 98 | Garland, TX | 17.82 | 14.47% | 6.88% |
| 99 | Boston, MA | 3.87 | 13.49% | 10.89% |
| 100 | Winston-Salem, NC | 0.00 | 20.00% | 12.00% |
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