Overview
- The Central Bank reports household loan past‑due rates reached 8.8% in November 2025, versus 2.3% for companies, with overall private‑sector irregularity at 5.2%.
- The deterioration is centered on credit cards and personal loans used for everyday expenses rather than on mortgages or long‑term financing.
- Non‑bank credit expanded sharply in 2025, with fintech clients owing an average ARS 985,000 in July, 6.2 million individual debtors, and a 25% rise in personal loans.
- Outside the banking system, delinquency is much higher, with a 22.8% irregularity rate estimated for December 2025 and this segment now near one quarter of consumer credit.
- Banks tightened household lending standards in late 2025 as risk rose, with provisions covering 97% of irregular loans, and editorials urging Brazil’s Desenrola‑style debt renegotiations.