deudas de mexicanos, USA News: In financial matters, Mexico presents a clear contrast: while debts are on the rise, incomes are heading downward. This is reflected in a study by the firm Bravo, which shows that the average indebtedness of a group of analyzed Mexicans rose 6.3% during 2025. However, their monthly income recorded a 2.9% drop, highlighting a widening gap between financial obligations and the available resources to cover them.
According to the study The Profile of the Mexican Debtor 2025, prepared by the credit repair firm, the average amount owed by its clients reached $193,198 pesos in 2025, compared to $181,751 pesos recorded in 2024. In contrast, the average monthly income of the individuals included in the analysis decreased from $25,166 to $24,426 pesos, representing a reduction of $740 pesos per month, or 2.9 percent. This means that the average debt amount is equivalent to almost eight months of the reported income.
Experts point out that while turning to credit does not necessarily represent a financial problem, since it can be used to acquire goods or make investments, the growth of obligations set against falling incomes can reduce the margin for maneuver of households. In this regard, Edgar Luna, director of the Center for Economic Research (CIE) at the Faculty of Economics of the Autonomous University of Nuevo León (UANL), recommended that monthly payments made by a debtor should not exceed 40% of household income.
Income is not enough to cover daily expenses, a situation that can be aggravated by the increase in the price of goods and services. Added to this are unforeseen expenses, a lack of savings, and in some cases, a lack of financial planning. A general recommendation is to ensure that monthly payments do not exceed 30% or 40% of net household income, he explained. The analysis also shows differences in owed amounts according to clients’ ages. For example, in the 21-to-25 age range, average debt stands at $79,283 pesos, the 31-to-35 age group reaches $175,193 pesos, and those over 66 years old reach $292,090 pesos.
In parallel, the National Financial Health Survey (Ensafi), prepared by the National Institute of Statistics and Geography (Inegi), reveals that 36.2% of adults in Mexico have some type of debt, while 27.3% of those maintaining financial commitments acknowledged having fallen behind on the payment of a credit or loan. Furthermore, the firm found that for 72% of its respondents, monthly expenses vastly exceed their incomes, a situation that demonstrates the difficulties in maintaining balance between obligations and economic capacity.
In addition, the study notes that indebtedness can snowball when new financing is used to cover previous commitments. It also highlights that seven out of 10 people who apply for a new credit do so to settle prior debts. The landscape is likewise reflected in daily liquidity: 54% of Mexicans finish the period with a zero balance in their bank account, according to the Global State of the Consumer Tracker study by Deloitte. Thus, experts point out that amid shrinking incomes, expenses exceeding payment capacity, and credits used to cover other commitments, debts become a heavy burden accompanying households.
Mexico maintains a delinquency rate of 2.2%, according to the Quarterly Banking Economic Report of the Latin American Federation of Banks (Felaban). The country ranks 12th out of 16 economies analyzed, with the list headed by Argentina at 7.3% and Brazil at 4.3%. Óscar Rosado Jiménez, president of Condusef, noted that a delinquency rate between 3.2% and 3.3% is healthy for the financial system. Nevertheless, he concurred that it is advisable for individuals not to allocate more than 30% of their income to paying off financial commitments.
