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Personal Loans for Bills Surge to 8.2%, Led by Louisiana

5/15/2026

25 5 Full Breakdown

Summary

Story summary

Personal loan requests for everyday bills rose to 8.2 percent of U.S. borrowers, up from 3.4 percent in 2023, and peaked at 9.4 percent in December 2025.
From April 2025 to March 2026 borrowers averaged $4,317 loans for groceries, utilities and rent and had an average credit score of 574.
Generation Z made up 10.5 percent of requests, with Louisiana posting the highest state share at 10 percent and Nevada and Oregon at 6.2 percent.

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Story summary

Personal loan requests for everyday bills rose to 8.2 percent of U.S. borrowers, up from 3.4 percent in 2023, and peaked at 9.4 percent in December 2025.
From April 2025 to March 2026 borrowers averaged $4,317 loans for groceries, utilities and rent and had an average credit score of 574.
Generation Z made up 10.5 percent of requests, with Louisiana posting the highest state share at 10 percent and Nevada and Oregon at 6.2 percent.