default

American  

[dih-fawlt, dee-fawlt] / dɪˈfɔlt, ˈdiˌfɔlt /

noun

• defaults
  plural

1. failure to act; inaction or neglect.

   They lost their best client by sheer default.

2. Finance. failure to meet financial obligations, as when a borrower misses or stops making monthly loan payments.

   A default on your mortgage can lead to losing the house.

3. Law. failure to perform an act or obligation legally required, especially to appear in court or to plead at a time assigned.

   The judge dismissed the suit for default of the defendant.

4. Sports. failure to arrive in time for, participate in, or complete a scheduled game, race, etc..

   So far the Cougars have had three losses, two wins, and one default.

5. a person’s automatic or standard way of acting or responding; go-to or reflex.

   Her default is to argue about everything I say, unless she’s in a really good mood.

6. lack; want; absence.

   For default of anything better, he took a job washing dishes.

7. Computers. a value that a program or operating system assumes, or a course of action that a program or operating system will take, when the user or programmer specifies no overriding value or action.

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adjective

1. being a person’s automatic or standard action, response, etc.; go-to.

   Chocolate is my default choice for ice cream, but when I feel adventurous I’ll go for something more exotic.

2. Computers. (of a value, action, etc.) preset or preselected, unless the user or programmer gives other input or instruction.

   The default contrast setting on this display is 50 percent.

verb (used without object)

• defaults,
  present (3rd person singular)
• defaulted,
  past participle,  past
• defaulting
  present participle

1. to fail to meet financial obligations, such as payments on a loan, or to account properly for money in one's care.

   After he defaulted twice, the bank foreclosed on the car.

2. to fail in fulfilling or satisfying an engagement, claim, or obligation.

   They said they would pick me up, but defaulted at the last minute.

3. Law. to fail to appear in court.

   One of the key witnesses defaulted.

4. Sports.

   1. to fail to participate in or complete a scheduled game, race, etc..

      I only placed in that race because my chief rival defaulted.

   2. to lose a scheduled game, race, etc., by default.

5. to behave or respond in a certain way automatically, habitually, or by preference (usually followed byto ).

   It seems that in your relationships you default to being a caregiver instead of a partner.

6. Computers. (of a program or operating system) to assume a preset value or take a preselected action unless otherwise instructed by the user or programmer (usually followed byto ).

   Your profile defaults to public unless you set the permissions to private.

verb (used with object)

• defaults,
  present (3rd person singular)
• defaulted,
  past participle,  past
• defaulting
  present participle

1. to fail to perform or pay.

   to default a debt.

2. to declare to be in default, especially legally.

   The judge defaulted the defendant.

3. Law. to lose by failure to appear in court.

4. Sports.

   1. to fail to compete in (a scheduled game, race, etc.).

   2. to lose by default.

idioms

1. in default of, for lack or want of; in the absence of.

   In default of male heirs, his daughters inherited his property.

default British  

/ dɪˈfɔːlt /

noun

1. a failure to act, esp a failure to meet a financial obligation or to appear in a court of law at a time specified

2. absence or lack

3. in the absence of opposition or a better alternative

   he became prime minister by default

4. through or in the lack or absence of

5. law a judgment in the plaintiff's favour when the defendant fails to plead or to appear

6. lack, want, or need

7. computing

   1. the preset selection of an option offered by a system, which will always be followed except when explicitly altered

   2. ( as modifier )

      default setting

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verb

1. (intr; often foll by on or in) to fail to make payment when due

2. (intr) to fail to fulfil or perform an obligation, engagement, etc

   to default in a sporting contest

3. law to lose (a case) by failure to appear in court

4. (tr) to declare that (someone) is in default

default Cultural  

1. Failure to pay a debt when it is due.

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default More Idioms  

1. see in default of.

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Usage

What does default mean in loans? Default is the failure to meet one’s financial obligations, for example, when a borrower misses or stops making monthly loan payments. Default on a loan can make it difficult to get loans in the future and may have other serious consequences. If a person defaults on a home mortgage, the bank may foreclose on the loan and take over ownership of the property, to sell it in order to recoup as much of the unpaid portion of the loan as possible. The term not only applies to individuals, but also to businesses and governments that cannot pay back their debts. Default can also mean failure to account properly for money in one’s care.

Other Word Forms

Derived Forms

• predefault
  noun
• nondefaulting
  adjective
• undefaulted
  adjective
• undefaulting
  adjective

Inflected Forms

Nouns

• defaults
  plural

Participles

• defaulting
  present
• defaulted
  past

Conjugated Forms

Present

• default
  simple
• defaults
  simple
• have defaulted
  perfect
• has defaulted
  perfect
• am defaulting
  progressive
• are defaulting
  progressive
• is defaulting
  progressive
• have been defaulting
  perfect progressive
• has been defaulting
  perfect progressive

Past

• defaulted
  simple
• had defaulted
  perfect
• was defaulting
  progressive
• were defaulting
  progressive
• had been defaulting
  perfect progressive

Future

• will default
  simple
• will have defaulted
  perfect
• will be defaulting
  progressive
• will have been defaulting
  perfect progressive

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Etymology

Origin of default

First recorded in 1175–1225; Middle English defau(l)te, from Anglo-French defalte, Old French defaute, from defaillir, modeled on faute, faillir; equivalent to de- + fault

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Explanation

As a setting, a default is automatic. You weren't sure why your new TV kept returning to the factory defaults until you realized you were sitting on the remote. Default can also refer to a lack of other options. You shop at Green's by default; it's the only grocery store in town. Default is also a failure to pay a financial obligation. The number of loan defaults was down this month. As a verb, it means "to fail to pay." Your credit score will go down if you default on a loan.

Example Sentences

See Examples For:

default defaults defaulted defaulting

"Fix Our Feeds" demanded recommended algorithms be turned off by default, and social media users be given the choice to opt into them.

From BBC ● Oct. 16, 2026

These bosses usually have good intentions, but by moving fast and responding first they inevitably end up being the team’s default problem-solver.

From The Wall Street Journal ● Oct. 16, 2026

The cost to protect CoreWeave’s debt against default spiked to an all-time high this week, and some of its unsecured bonds dropped below 80 cents on the dollar Wednesday.

From The Wall Street Journal ● Oct. 15, 2026

That’s based on credit-default swaps, which are derivative contracts that investors buy to hedge against against default risk.

From MarketWatch ● Oct. 14, 2026

They merely needed to stop rising at the unprecedented rates they had the previous few years for vast numbers of Americans to default on their home loans.

From "The Big Short" by Michael Lewis

This could set off a cascade of data-center halts and debt defaults, even as token demand increases.

From The Wall Street Journal ● Oct. 11, 2026

Diedrichs said unless the designers prompt AI to show realistic or diverse features, "it's going to give you an image that defaults to the average" data set of the "narrow" traditional beauty standards.

From BBC ● Oct. 3, 2026

The rate includes delinquent loans and likely borrower defaults.

From MarketWatch ● Oct. 3, 2026

Private-credit defaults are up 1%, 6% or 19%, depending whom you ask.

From MarketWatch ● Sep. 21, 2026

In 1998, AIG FP entered the new market for corporate credit default swaps: It sold insurance to banks against the risk of defaults by huge numbers of investment-grade public corporations.

From "The Big Short" by Michael Lewis

Djokovic beat world number two Alexander Zverev on his way to the Beijing final and was a set and a break up on third seed Daniil Medvedev when the Russian was defaulted from their semi-final.

From BBC ● Oct. 6, 2026

Zambia defaulted on its sovereign debt in 2020, with its debt-to-GDP ratio peaking at 124 percent in 2021, and later completed an IMF-supported programme.

From Barron's ● Sep. 3, 2026

However, China defaulted on these bonds in 1938.

From MarketWatch ● Aug. 26, 2026

He was being summoned because he was being sued by Midland Credit Management for $3,466.63 in defaulted credit card debt.

From Slate ● Aug. 20, 2026

The loans carried, in effect, government guarantees; if the homeowners defaulted, the government paid off their debts.

From "The Big Short" by Michael Lewis

Two years ago, again at Wimbledon, it appeared officials were considering defaulting Medvedev for an outburst towards umpire Eva Asderaki-Moore.

From BBC ● Oct. 6, 2026

Still, yields could rise if the rate increases start slowing the economy, making investors more concerned about businesses defaulting on their debt.

From The Wall Street Journal ● Sep. 16, 2026

Those who cannot afford higher premiums might be forced to sell their home or risk defaulting on their mortgage, according to a report by the Consumer Federation of America.

From MarketWatch ● Sep. 9, 2026

As for the Neo, Luria told MarketWatch that Apple saw “a need to expand its addressable market and engage with younger consumers that were defaulting into Chromebooks and low-end PCs.”

From MarketWatch ● Aug. 2, 2026

It wasn’t immediately obvious—after all, the best way to avoid the risk of General Electric’s defaulting on its debt was not to lend to General Electric in the first place.

From "The Big Short" by Michael Lewis

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Related Words

• delinquency
• nonpayment

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