ATLANTA and SANTA MONICA, Calif. -

How about this for a change in our coronavirus-impacted world? Experts noticed some consistency in the latest auto-finance trends.

According to July auto-finance data Edmunds compiled and shared with SubPrime Auto Finance News, metrics such as term and the amount financed for both used- and new-vehicle financing held steady on a sequential basis.

And as of July 13, Equifax also told SubPrime Auto Finance News that portfolios continue to grow as the number of outstanding retail installment contracts stood at 79.19 million, up 1.6% from the previous week.

The balances connected with those contracts came in at $1.266 trillion, according to Equifax, also marking a 1.6% rise from July 6 to July 13.

Edmunds indicated that average used-vehicle finance terms for paper booked in July came in at 67.4 months with the average down payment registering at $3,722, resulting in the average balance coming into a portfolio being $22,702. For June, Edmunds reported those figures were 67.3 months, $3,167 and $22,337.

On the new-car side, Edmunds pegged the average term for paper financed in July at 70.1 months with $4,486 in average down payment and an average balance of $34,733 coming into a portfolio. In June, Edmunds had those new-vehicle financing averages at 69.9 months, $4,451 down and $34,911 in outstanding balance.

Perhaps what might be even more encouraging are the delinquency readings Equifax shared.

Again as of July 13, Equifax said the severe delinquency rate — the share of balances 60 days or more past due stood at 0.89%, representing a 2.4% decrease from the previous week and 34 basis points lower than what analysts spotted at the end of February.

“Overall, delinquency rates have been rising slowly over the past nine years (since 2011) with regular seasonal variations. Relative to historical values delinquencies are still low, less than rates seen in the first quarter of 2010,” Equifax said while mentioned the recession peak delinquency rate was 1.58% in February 2009.