ABS Data›Auto Loan
Carvana P CRVNAP
- 60+ day delinquency 1.15% of loans, Sep 2026
- Annualized net loss 0.85% of average pool balance, Sep 2026
- First-time repossessions 0.09% of loans, Sep 2026
- Recovered within 12 months of default 32.8% (±1.0 pts) of balance, defaults Jan 2025 – Dec 2025
- Deals 11 active · 7 wound down · data through Sep 2026
Recovery cash is scaled to the servicer report's net proceeds (its loan-level data records it before some costs). Defaults from January 2022; earlier loan-level recovery data is incomplete. Carvana's 2026 deals report both a VantageScore and a FICO for most loans; the FICO is used where both are given, the VantageScore where it is the only score. Loans without a consumer credit score are excluded.
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Deals on this shelf ·
| Deal | At pricing | Hard CE at pricing · % of pool | Latest reported · Oct 2026 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Deal | Closed | Size | Credit ScoreWA | APRWA | Subbelow AAA | Reserve | OCinitial | Hard CEtotal | 60+ DQ% of loans | CNL% of orig. pool | Pool Factor |
| 2026-P3PSR | Aug 25, 2026 | $1.55B | 702 | 10.77% | 10.70% | 0.50% | 0.00% | 11.20% | 0.03% | 0.00% | 0.945 |
| 2026-P2PSR | May 27, 2026 | $1.10B | 708 | 10.54% | 10.70% | 0.50% | 0.00% | 11.20% | 0.20% | 0.06% | 0.869 |
| 2026-P1PSR | Mar 17, 2026 | $1.05B | 713 | 10.67% | 10.70% | 0.50% | 0.00% | 11.20% | 0.28% | 0.13% | 0.806 |
| 2025-P4PSR | Nov 25, 2025 | $935M | 708 | 11.24% | 10.20% | 0.50% | 0.00% | 10.70% | 0.60% | 0.30% | 0.727 |
| 2025-P3PSR | Sep 23, 2025 | $1.01B | 702 | 12.11% | 9.40% | 0.50% | 0.00% | 9.90% | 0.83% | 0.51% | 0.671 |
| 2025-P2PSR | Jun 17, 2025 | $650M | 701 | 12.80% | 10.15% | 0.50% | 0.00% | 10.65% | 1.21% | 0.88% | 0.600 |
| 2025-P1PSR | Mar 17, 2025 | $603M | 702 | 14.06% | 6.50% | 0.50% | 0.00% | 7.00% | 1.57% | 1.11% | 0.509 |
| 2024-P4PSR | Dec 17, 2024 | $625M | 701 | 13.08% | 7.50% | 0.50% | 0.00% | 8.00% | 1.39% | 1.33% | 0.473 |
| 2024-P3PSR | Sep 17, 2024 | $639M | 701 | 13.69% | 7.50% | 0.50% | 0.00% | 8.00% | 1.67% | 1.57% | 0.419 |
| 2024-P2PSR | Jun 12, 2024 | $507M | 702 | 13.61% | 6.95% | 0.50% | 0.00% | 7.45% | 1.60% | 1.76% | 0.375 |
| 2022-P3 | Sep 8, 2022 | $364M | 704 | 10.27% | 9.15% | 0.50% | 0.00% | 9.65% | 2.76% | 3.71% | 0.154 |
| Show 7 wound-down ▾ · right-hand columns: each deal's final servicer report | |||||||||||
At pricing — terms from the deal's prospectus and pricing supplement; they do not update.
Credit Score — weighted-average obligor credit score of the pool at cut-off, as stated in the prospectus.
APR — the pool's weighted-average APR at cut-off, as its prospectus states it (the summary and the pool table agree); for deals before 2017, as the issuer's later prospectuses print it.
Hard CE — initial hard credit enhancement for the senior notes, the total the rating agencies quote: Sub (all rated classes below the AAA notes; an unrated residual Class N is not subordination) + Reserve (the reserve fund at closing) + OC (overcollateralization at closing, net of any yield supplement), each as a % of the initial pool balance less any yield supplement — the adjusted pool the issuers and rating agencies measure enhancement against. Excess spread is not included. The total is blank where a part is not known.
Latest reported — from the most recent monthly servicer report (SEC Form 10-D). 60+ DQ is the share of loans 60+ days past due in the ABS-EE loan tape at its latest period; CNL is cumulative net loss as a % of the original pool balance; Pool Factor is the current pool balance ÷ original.
PSR marks a deal with a presale report (2024 deals onward); it opens from the deal name.
Hard CE for deals priced 2017–2020 is read from each deal's final prospectus, every part checked against its first servicer report or a second figure in the prospectus. Those prospectuses do not print ratings, so the AAA notes are the Class A notes — the same classes as on every deal since 2021.