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Whether people think it is harder or easier to obtain credit or loans than 12 months ago (NY Fed SCE).
Latest: 39% answered “Harder” in NY Fed Consumer Expectations, 2025.
Shares of people whose answer maps onto these categories (non-answers and answers outside the scale are left out), because surveys differ in whether they offer “don’t know.” Each column is one survey wave, evenly spaced rather than to scale in time; hover for exact shares.
Groups differ from everyone by 5 points on average across all answers.
| Line | Question | Match | How answers map |
|---|---|---|---|
| NY Fed Consumer Expectations | Ease of getting credit compared with a year ago Compared to 12 months ago, do you think it is generally harder or easier these days for people to obtain credit or loans (including credit and retail cards, auto loans, student loans, and mortgages)? | identical | Much harder → Harder; Somewhat harder → Harder; Equally easy/hard → Same; Somewhat easier → Easier; Much easier → Easier |
Shares of people whose answer maps onto these categories (non-answers and answers outside the scale are left out), because surveys differ in whether they offer “don’t know.” Each point is one survey wave at the middle of its field period. Lines from different surveys are never spliced together.
Groups differ from everyone by 5 points on average across all answers.
Subgroup charts are picked automatically. Of every breakdown in the data (party, ideology, age, sex, race, education, income, region, religion, and community type), these two put their groups furthest from everyone’s answers: the gap is averaged across all answer categories and waves, with each group weighted by its share of respondents. Party and ideology count as one choice, so the second chart shows a different kind of split. Groups with an effective sample under 50 in a wave are left out of that wave.