Three weeks before Black Friday and with year-end approaching, the picture of unpaid debts is not improving. The latest Delinquent Debt Report by Universidad San Sebastián and Equifax, with data as of June 30, 2026, counts 4,006,977 people with at least one unpaid installment, 25.2% of those over 18 (USS-Equifax, Delinquent Debt Report, second quarter 2026). The figure is 3.7% higher than a year earlier, the largest annual increase in three years. Total overdue debt reached US$11.382 billion, 2.93% of GDP, and the average overdue amount per person rose to CLP 2,619,855, up 8.2% in real terms in twelve months. The third-quarter report has not been published yet.
View the data as a table
| Delinquent debtors | 4,006,977 |
| Delinquency rate | 25.2% |
| Average overdue amount | $2,619,855 |
| Total overdue debt | US$11,382 million |
Delinquent debtors in Chile: how many and how they have changed
Delinquency had fallen during 2024 and early 2025: the rate went from 25.6% in June 2024 to 24.5% in June 2025. Since then it has risen again and has been stable at 25.2% for three quarters. The report counts as delinquent people with unpaid installments on consumer and mortgage loans, store cards, bills of exchange, promissory notes and bounced checks; by law it excludes education debts (such as the CAE student loan), health and utility bills. How to get off those registries is in our guide how to get out of Dicom.
| Quarter | Delinquent debtors | Delinquency rate | Overdue debt (US$ million) |
|---|---|---|---|
| Jun-24 | 4,006,499 | 25.6% | 10,210 |
| Sep-24 | 3,975,251 | 25.4% | 9,933 |
| Dec-24 | 3,924,734 | 25.1% | 10,162 |
| Mar-25 | 3,909,120 | 24.8% | 10,102 |
| Jun-25 | 3,864,279 | 24.5% | 10,145 |
| Sep-25 | 3,889,602 | 24.7% | 10,373 |
| Dec-25 | 3,966,866 | 25.2% | 10,888 |
| Mar-26 | 4,011,868 | 25.2% | 11,100 |
| Jun-26 | 4,006,977 | 25.2% | 11,382 |
Source: USS-Equifax, Delinquent Debt Report, second quarter 2026. Overdue debt is in dollars at the exchange rate of the last business day of the quarter and in real pesos of the latest quarter, so earlier quarters may differ from those published in previous reports.
View the data as a table
| Delinquency rate | |
|---|---|
| Jun-24 | 25.6% |
| Sep-24 | 25.4% |
| Dec-24 | 25.1% |
| Mar-25 | 24.8% |
| Jun-25 | 24.5% |
| Sep-25 | 24.7% |
| Dec-25 | 25.2% |
| Mar-26 | 25.2% |
| Jun-26 | 25.2% |
View the data as a table
| Overdue debt | |
|---|---|
| Jun-24 | US$10,210 |
| Sep-24 | US$9,933 |
| Dec-24 | US$10,162 |
| Mar-25 | US$10,102 |
| Jun-25 | US$10,145 |
| Sep-25 | US$10,373 |
| Dec-25 | US$10,888 |
| Mar-26 | US$11,100 |
| Jun-26 | US$11,382 |
The average overdue amount rises faster than the number of debtors
The figure that moved the most is not how many owe, but how much they owe. The average overdue amount rose from CLP 2,421,368 in June 2025 to CLP 2,619,855 in June 2026, in pesos of equal purchasing power. The increase is concentrated in large amounts: debtors with more than CLP 3 million unpaid grew 13.9% in a year and 3.1% in the quarter, while those owing CLP 100,000 or less fell 4.4%. Today 39.4% of delinquent debtors owe more than CLP 750,000. In addition, 74% are permanent debtors, with at least 12 straight months in arrears; new debtors numbered 225,100, 12% fewer than the previous quarter.
View the data as a table
| Average overdue amount | |
|---|---|
| Jun-24 | $2,350,348 |
| Sep-24 | $2,304,697 |
| Dec-24 | $2,388,094 |
| Mar-25 | $2,383,625 |
| Jun-25 | $2,421,368 |
| Sep-25 | $2,459,756 |
| Dec-25 | $2,531,508 |
| Mar-26 | $2,551,973 |
| Jun-26 | $2,619,855 |
Does your institution offer financial education or debt restructuring? Reach readers trying to get their finances in order.
See advertising optionsWho the debts are with: retail and banks
Retailers have more unpaid documents, but banks concentrate more of the amount. As of June there were 2,412,261 overdue documents with retailers (+3.2% in a year) and 1,402,527 with banks (+6.2%). By amount, total overdue debt with retailers grew 19.6% in real terms in twelve months and with banks 9.5%. One person can have debts in both sectors, so documents do not add up to the total number of debtors. Debts with banks and other institutions can be checked for free in the CMF debt report.
| Indicator as of June 2026 | Women | Men |
|---|---|---|
| Delinquent debtors | 2,098,084 | 1,908,893 |
| Delinquency rate | 25.8% | 24.6% |
| Average overdue amount | CLP 1,845,606 | CLP 3,471,186 |
| 12-month change in average overdue amount | +8.9% | +7.7% |
Source: USS-Equifax, Delinquent Debt Report, second quarter 2026. More women than men are in arrears, but with smaller amounts: women's average overdue amount equals 53.2% of men's.
Permanent debtors owe more than twice as much
The report separates debtors by how long they have been in arrears. Permanent debtors (12 months or more) number 2,964,084 with an average overdue amount of CLP 3,094,752; intermittent debtors, who move in and out of arrears, number 817,793 with CLP 1,481,565, and new debtors 225,100 with CLP 501,925. New debtors owe the least but their amount is rising fastest: 27.4% in real terms over twelve months, versus 13.5% for intermittent ones. For someone in the first months, restructuring before the debt becomes permanent is usually cheaper; the options and their rates are in our guide to loans for people in Dicom.
What banks show as of September
Bank data, more recent than the USS-Equifax report, point the same way. According to the CMF, as of September 2026 the system's 90+ day delinquency rose to 2.36% (2.34% in August) and all risk indicators rose in the consumer portfolio, while those loans are falling over twelve months (CMF). For Black Friday, November 27 to 30, that means anyone already carrying overdue installments faces rates close to the legal ceiling, as we calculated in how much buying in installments costs on Black Friday 2026. This article is informative and does not constitute financial advice.
Frequently asked questions about delinquent debtors in Chile
How many delinquent debtors are there in Chile?
4,006,977 people as of June 2026, 25.2% of those over 18, according to the USS-Equifax report.
What is the average overdue amount in Chile?
CLP 2,619,855 per person as of June 2026, 8.2% more in real terms than a year earlier.
Which debts are not counted in the delinquency report?
By law, education, health and utility debts are excluded, as well as highway tolls and Indap loans.
When is the third-quarter report released?
USS and Equifax publish one report per quarter. As of November 8, 2026, the third-quarter report (data to September) was not yet available.
