Compared to last year, Americans are falling behind less on their automobile loan payments. At a rate of .41%, American’s rate is down .05% from last year, which is a good sign for economic recovery. Another sign of an improving economy is the amount that Americans are borrowing. This amount is also up: $13,747 per borrower compared to last year’s $13,045. While the country is still feeling the signs of economic downturn, at least auto-loan numbers indicate a turnaround.