Auto loan debt, a significant component of U.S. consumer credit markets, represents the total outstanding vehicle financing balances tracked by the New York Fed's Consumer Credit Panel and Equifax. This metric encompasses both new and used vehicle loans, including traditional auto loans, leases, and dealer-financing arrangements. The market features diverse lenders: traditional banks (approximately 30% market share), captive finance companies (around 25%) owned by auto manufacturers like Ford Motor Credit and Toyota Financial Services, credit unions (about 25%), and other financial institutions (20%). The data reveals crucial trends in vehicle affordability, consumer financing preferences, and credit accessibility across prime (credit scores >660) and subprime borrowers. Loan terms have steadily lengthened since 2000, with 72-84 month loans becoming increasingly common, reflecting rising vehicle prices and changing consumer behavior. Delinquency rates, particularly in the subprime segment, serve as an important economic indicator, often providing early warnings of consumer financial stress. This debt category has grown significantly since the 2008 financial crisis, influenced by factors including low interest rates, evolving vehicle technologies, and shifting consumer preferences toward SUVs and trucks.