Women Better Managers of Credit Than Men, Study Shows
Not only do women have higher credit scores and less debt than men, according to a new report from Experian, they are more likely to purchase a more functional, utilitarian vehicle than their male counterparts.
COSTA MESA, Calif. — When it comes to credit and financial management, women are better than men. That’s according to a new report from Experian, which showed a notable divide between men and women when it comes to how they handle money, debt and financial decisions.
The average credit score for women was five points higher than men at 675. They also have 3.7% less average debt despite topping men with 23.5% more open credit cards. In fact, women’s revolving credit utilization is 4.2% lower than men. The average mortgage loan amount for women is also 7.9% less than men, and they also have an 8.1% lower incidence of late mortgage payments.
"There were several gaps between men and women in this study, including the five-point credit score lead that the women hold. Even with more credit cards, women have fewer overall debts and are managing to pay those debts on time," said Michele Raneri, vice president of analytics and new business development for Experian. "Men appear to be taking on a bit more than women, specifically when it comes to the homes and the cars they buy, which could be affecting their credit scores."
From an auto perspective, women are more likely to purchase a more functional, utilitarian vehicle, while men tend to lean toward sports cars and trucks. Specifically, men are more likely to purchase vehicles in the mid-size pickup, large pickup and standard specialty car segments.
In fact, men are 1.37 times more likely to purchase a mid-size pickup truck than the general population, while women are 1.4 times more likely to purchase a small crossover utility vehicle than the general population. The latter also gravitates more toward mid-size sports utility vehicles and compact crossovers.
More F&I

Sell Value, Build Trust
In this video, Trent White explains why selling on value, not fear, builds lasting customer trust, reduces cancellations, and drives long-term success.
Read More →
F&I Sales Give Dealers First-Half Lift
Product business shored up total profits to avoid an overall revenue tanking as product penetrations held steady, StoneEagle reported.
Read More →
Targeted Training Drives Results
Today’s technology, instead of threatening F&I managers, can actually make them better, according to an industry veteran who’s watched market setbacks roil the unprepared.
Read More →
Double the Change, Double the Chance
When an F&I manager gets a customer refusal, it’s a wise move to tweak more than one thing in the product offering.
Read More →
Just Do It
F&I managers need training, but instead of resisting application or expecting perfection, they should improve by simply acting on what they learn.
Read More →
Dealer Lender Preferences Revealed
When lenders provide consistent, fast service, their overall satisfaction scores with dealers greatly improve, according to JD Power research.
Read More →
Leading with Purpose
In this video, Trent White explains how understanding your people’s 'why' is a key leadership responsibility of F&I professionals and how that mindset drives dealership engagement, trust and performance.
Read More →
Integrating Nontraditional F&I Products
The niche presents a strategic advantage for auto dealerships as they move to adapt to fast-changing consumer expectations in today’s market.
Read More →
Trust Is Personal
Technology, no matter how efficient, can’t replace what the human F&I manager can do, which is to bridge the divide between cyberspace and the in-store experience.
Read More →
Amplify 2026 Billed as Turning Innovation Into Results
Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.
Read More →