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GM Financial GMCAR

60+ day delinquency 0.31% of loans, Sep 2026
Annualized net loss 0.55% of average pool balance, Sep 2026
First-time repossessions 0.07% of loans, Sep 2026
Recovered within 12 months of default 53.9% (±1.3 pts) of balance, defaults Jan 2025 – Dec 2025
Deals 14 active · 21 wound down · data through Sep 2026

Defaults from June 2019; earlier loan-level recovery data is incomplete. The servicer report's charge-offs are net of amounts applied in the month of charge-off and run about 4% below the prior-month balance used here. 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
2026-4PSR	Oct 14, 2026	$1.02B	773	6.95%	3.10%	0.25%	2.75%	6.10%	0.00%	—	—
2026-3PSR	Jul 15, 2026	$1.02B	781	6.63%	3.10%	0.25%	2.75%	6.10%	0.11%	0.01%	0.875
2026-2PSR	Apr 15, 2026	$1.27B	777	6.81%	3.10%	0.25%	2.75%	6.10%	0.25%	0.13%	0.799
2026-1PSR	Jan 14, 2026	$1.25B	779	6.71%	3.10%	0.25%	2.75%	6.10%	0.24%	0.19%	0.722
2025-4PSR	Nov 5, 2025	$900M	781	6.53%	3.10%	0.25%	2.75%	6.10%	0.32%	0.26%	0.646
2025-3PSR	Jul 16, 2025	$914M	783	6.58%	3.10%	0.25%	2.75%	6.10%	0.24%	0.39%	0.536
2025-2PSR	May 14, 2025	$930M	782	6.75%	3.10%	0.25%	2.75%	6.10%	0.35%	0.44%	0.445
2025-1PSR	Jan 15, 2025	$1.55B	781	7.03%	3.10%	0.25%	2.75%	6.10%	0.30%	0.49%	0.388
2024-4PSR	Oct 16, 2024	$1.29B	782	6.73%	4.35%	0.25%	1.50%	6.10%	0.29%	0.53%	0.339
2024-3PSR	Jul 10, 2024	$1.34B	783	6.52%	4.35%	0.25%	1.50%	6.10%	0.36%	0.60%	0.280
2024-2PSR	Apr 10, 2024	$1.54B	784	6.23%	4.35%	0.25%	1.50%	6.10%	0.37%	0.55%	0.243
2024-1PSR	Jan 17, 2024	$1.54B	783	5.96%	4.35%	0.25%	1.50%	6.10%	0.42%	0.64%	0.217
2023-4	Oct 11, 2023	$1.50B	783	5.53%	4.35%	0.25%	1.50%	6.10%	0.37%	0.61%	0.189
2023-3	Jul 19, 2023	$1.54B	782	5.19%	4.35%	0.25%	1.50%	6.10%	0.37%	0.62%	0.161
2023-2	Apr 12, 2023	$1.54B	783	4.69%	4.35%	0.25%	1.50%	6.10%	0.44%	0.59%	0.133
Show 21 wound-down ▾ · right-hand columns: each deal's final servicer report
2023-1	Jan 18, 2023	$1.54B	781	4.18%	4.35%	0.25%	1.50%	6.10%	0.45%	0.61%	0.115Sep 2026
2022-4	Oct 12, 2022	$1.25B	781	3.86%	4.35%	0.30%	1.50%	6.15%	0.54%	0.70%	0.000Aug 2026
2022-3	Jul 13, 2022	$1.20B	779	3.84%	4.35%	0.25%	1.50%	6.10%	0.51%	0.59%	0.000Jun 2026
2022-2	Apr 13, 2022	$1.40B	775	4.00%	4.35%	0.25%	1.50%	6.10%	0.49%	0.52%	0.000Apr 2026
2022-1	Jan 19, 2022	$1.20B	774	4.01%	4.35%	0.25%	1.50%	6.10%	0.46%	0.42%	0.000Jan 2026
2021-4	Oct 21, 2021	$1.25B	774	3.75%	4.35%	0.25%	1.50%	6.10%	0.47%	0.35%	0.000Nov 2025
2021-3	Jul 21, 2021	$1.25B	772	3.89%	4.35%	0.25%	1.50%	6.10%	0.41%	0.35%	0.000Aug 2025
2021-2	Apr 14, 2021	$1.30B	772	4.35%	4.35%	0.25%	1.50%	6.10%	0.43%	0.31%	0.000Apr 2025
2021-1	Jan 20, 2021	$1.62B	773	4.26%	4.35%	0.25%	1.50%	6.10%	0.33%	0.25%	0.000Nov 2024
2020-4	Oct 14, 2020	$1.53B	772	4.00%	4.35%	0.50%	1.50%	6.35%	0.36%	0.25%	0.000Aug 2024
2020-3	Aug 19, 2020	—	769	4.41%	—	—	—	—	0.26%	0.24%	0.000Jun 2024
2020-2	Apr 22, 2020	$800M	771	4.53%	4.35%	1.00%	1.50%	6.85%	0.45%	0.33%	0.000Dec 2023
2020-1	Jan 15, 2020	—	773	5.11%	—	—	—	—	0.30%	0.35%	0.000Sep 2023
2019-4	Oct 16, 2019	$1.00B	774	5.28%	4.35%	0.25%	1.50%	6.10%	0.16%	0.37%	0.000Jun 2023
2019-3	Jul 24, 2019	$1.00B	775	5.13%	4.35%	0.25%	1.50%	6.10%	0.23%	0.39%	0.000Mar 2023
2019-2	Apr 17, 2019	—	777	5.37%	—	—	—	—	0.33%	0.43%	0.000Dec 2022
2019-1	Jan 16, 2019	—	778	4.92%	—	—	—	—	0.20%	0.41%	0.000Sep 2022
2018-4	Oct 10, 2018	—	775	4.01%	—	—	—	—	0.28%	0.47%	0.000Aug 2022
2018-3	Jul 18, 2018	$1.25B	770	3.35%	4.35%	0.25%	1.50%	6.10%	0.28%	0.57%	0.000May 2022
2018-2	Apr 19, 2018	$1.23B	774	2.50%	4.35%	0.25%	1.50%	6.10%	0.29%	0.54%	0.000Feb 2022
2018-1	Jan 18, 2018	$1.24B	772	2.69%	4.35%	0.25%	1.50%	6.10%	0.26%	0.54%	0.000Sep 2021

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.