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Santander (SDART) SDART

60+ day delinquency 7.94% of loans, Sep 2026
Annualized net loss 8.05% of average pool balance, Sep 2026
First-time repossessions 0.84% of loans, Sep 2026
Recovered within 12 months of default 43.1% (±0.2 pts) of balance, defaults Jan 2025 – Dec 2025
Deals 18 active · 55 wound down · data through Sep 2026

Santander's loan-level file flags about 85% of the repossessions its servicer reports each month — a steady ratio whose cause public data cannot pin down. Recovery cash is scaled to the servicer report's net proceeds (its loan-level data records it before some costs). 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
2026-1PSR	Feb 25, 2026	$1.89B	605	18.25%	33.90%	1.00%	2.20%	37.10%	6.01%	2.23%	0.772
2025-4PSR	Nov 19, 2025	$1.85B	605	18.04%	33.00%	1.00%	3.50%	37.50%	5.89%	3.61%	0.686
2025-3PSR	Jul 30, 2025	$2.06B	604	17.99%	32.45%	1.00%	4.40%	37.85%	6.18%	4.28%	0.600
2025-2PSR	Mar 26, 2025	$1.98B	604	18.12%	32.90%	1.00%	3.75%	37.65%	7.95%	6.16%	0.512
2025-1PSR	Jan 22, 2025	$2.13B	605	18.06%	36.45%	1.00%	5.15%	42.60%	8.22%	6.43%	0.453
2024-5PSR	Oct 29, 2024	$1.70B	604	17.71%	32.50%	1.00%	9.50%	43.00%	8.01%	7.02%	0.378
2024-4PSR	Aug 21, 2024	$1.81B	604	18.57%	31.70%	1.00%	8.95%	41.65%	8.47%	7.38%	0.384
2024-3PSR	Jun 20, 2024	$1.78B	606	18.54%	32.40%	1.00%	9.00%	42.40%	8.35%	7.82%	0.359
2024-2PSR	Apr 24, 2024	$1.61B	606	18.38%	32.25%	1.00%	9.00%	42.25%	8.76%	8.42%	0.336
2024-1PSR	Jan 18, 2024	$1.46B	606	18.52%	31.95%	1.00%	9.50%	42.45%	9.40%	10.00%	0.275
2023-6	Nov 21, 2023	$884M	605	18.08%	22.40%	1.00%	19.60%	43.00%	9.24%	9.91%	0.260
2023-5	Oct 18, 2023	$1.10B	605	17.64%	22.85%	1.00%	19.15%	43.00%	8.39%	9.88%	0.259
2023-4	Aug 23, 2023	$1.14B	603	17.67%	22.60%	1.00%	18.70%	42.30%	9.08%	11.29%	0.236
2023-3	Jul 26, 2023	$1.30B	603	17.55%	26.05%	1.00%	23.70%	50.75%	9.32%	11.07%	0.223
2023-2	May 17, 2023	$1.17B	602	17.39%	26.25%	1.00%	23.75%	51.00%	9.58%	10.37%	0.198
2023-1	Jan 25, 2023	$1.05B	600	16.60%	25.75%	1.00%	25.50%	52.25%	8.99%	10.54%	0.147
2022-7	Nov 22, 2022	$817M	600	16.30%	22.15%	1.00%	22.35%	45.50%	10.08%	12.26%	0.138
2022-6	Sep 21, 2022	$1.79B	601	15.18%	31.40%	1.00%	12.80%	45.20%	9.37%	12.39%	0.130
Show 55 wound-down ▾ · right-hand columns: each deal's final servicer report
2022-5	Aug 24, 2022	$1.91B	601	14.72%	30.90%	1.00%	13.60%	45.50%	8.68%	12.17%	0.109Sep 2026
2022-4	Jul 20, 2022	$1.51B	601	14.56%	21.75%	1.00%	23.00%	45.75%	9.24%	11.81%	0.102Sep 2026
2022-3	May 18, 2022	$1.36B	600	14.49%	21.75%	1.00%	21.50%	44.25%	9.32%	11.24%	0.100Jun 2026
2022-2	Mar 30, 2022	$1.68B	600	14.63%	23.25%	1.00%	22.25%	46.50%	8.48%	10.96%	0.098May 2026
2022-1	Feb 23, 2022	$1.68B	614	14.60%	39.00%	1.00%	7.60%	47.60%	8.96%	10.12%	0.146Sep 2025
2021-4	Oct 27, 2021	$1.96B	614	14.58%	43.10%	1.00%	6.50%	50.60%	9.95%	8.73%	0.098Dec 2025
2021-3	Jul 21, 2021	$2.66B	610	14.97%	43.25%	1.00%	6.50%	50.75%	7.90%	7.08%	0.094Aug 2025
2021-2	May 26, 2021	$2.14B	612	14.85%	43.05%	1.00%	7.50%	51.55%	8.31%	6.03%	0.097Jun 2025
2021-1	Feb 17, 2021	$2.06B	612	14.79%	43.20%	1.50%	7.00%	51.70%	8.79%	4.88%	0.049Nov 2025
2020-4	Nov 24, 2020	$1.62B	612	14.84%	43.50%	2.00%	7.75%	53.25%	8.21%	4.88%	0.046Oct 2025
2020-3	Sep 23, 2020	$2.01B	611	14.85%	43.50%	2.00%	7.75%	53.25%	5.95%	4.03%	0.096Oct 2024
2020-2	Jul 22, 2020	$1.52B	607	14.79%	42.25%	2.00%	9.25%	53.50%	4.96%	3.66%	0.100Jun 2024
2020-1	Apr 22, 2020	$1.00B	604	15.59%	32.65%	2.00%	19.85%	54.50%	5.31%	5.05%	0.097May 2024
2019-3	Aug 21, 2019	$1.10B	619	15.48%	45.35%	1.00%	6.25%	52.60%	5.12%	5.54%	0.098Sep 2023
2019-2	May 22, 2019	$1.10B	600	15.49%	45.70%	1.00%	5.50%	52.20%	5.06%	5.56%	0.099Aug 2023
2019-1	Feb 20, 2019	$1.04B	615	15.20%	45.50%	1.00%	6.25%	52.75%	3.66%	6.39%	0.100Mar 2023
2018-5	Oct 24, 2018	$1.18B	617	15.52%	45.50%	1.00%	6.25%	52.75%	5.22%	7.54%	0.098Oct 2022
2018-4	Aug 22, 2018	$979M	623	15.70%	37.85%	1.00%	14.00%	52.85%	4.85%	7.59%	0.098Sep 2022
2018-3	Jun 27, 2018	$1.20B	609	15.71%	43.30%	1.00%	8.00%	52.30%	5.52%	8.66%	0.096Aug 2022
2018-2	Apr 18, 2018	$1.09B	610	15.75%	42.70%	1.00%	8.00%	51.70%	4.44%	8.02%	0.095May 2022
2018-1	Jan 24, 2018	$1.22B	613	15.83%	42.40%	1.00%	8.00%	51.40%	4.53%	8.36%	0.099Feb 2022
2017-3	Sep 20, 2017	$960M	608	15.87%	39.10%	1.00%	12.00%	52.10%	4.28%	9.00%	0.096Dec 2021
2017-2	May 30, 2017	$1.32B	614	15.76%	39.10%	1.00%	12.00%	52.10%	3.52%	10.38%	0.097Jul 2021
2017-1	Feb 28, 2017	$1.08B	609	15.60%	37.70%	1.00%	12.00%	50.70%	2.57%	10.56%	0.099Apr 2021
2016-3	Oct 12, 2016	—	—	—	—	—	—	—	—	10.95%	0.096Mar 2021
2016-2	May 11, 2016	—	600	15.99%	—	—	—	—	—	12.48%	0.097Nov 2020
2016-1	Feb 17, 2016	—	600	16.00%	—	—	—	—	—	13.06%	0.099Aug 2020
2015-5	Oct 21, 2015	—	600	16.30%	—	—	—	—	—	12.01%	0.098Mar 2020
2015-4	Aug 26, 2015	—	600	16.30%	—	—	—	—	—	13.13%	0.094Mar 2020
2015-3	Jun 24, 2015	—	597	16.20%	—	—	—	—	—	12.53%	0.100Dec 2019
2015-2	Apr 22, 2015	—	598	16.19%	—	—	—	—	—	12.01%	0.100Oct 2019
2015-1	Feb 25, 2015	—	595	16.20%	—	—	—	—	—	11.61%	0.099Aug 2019
2014-5	Nov 25, 2014	—	598	16.20%	—	—	—	—	—	12.88%	0.097Jun 2019
2014-4	Sep 17, 2014	—	598	16.20%	—	—	—	—	—	12.54%	0.094Apr 2019
2014-3	Jun 18, 2014	—	593	16.20%	—	—	—	—	—	11.96%	0.096Dec 2018
2014-2	Apr 23, 2014	—	594	16.20%	—	—	—	—	—	11.95%	0.099Sep 2018
2014-1	Jan 15, 2014	—	589	16.32%	—	—	—	—	—	12.02%	0.097Jul 2018
2013-5	Nov 20, 2013	—	590	16.56%	—	—	—	—	—	12.45%	0.098Jun 2018
2013-4	Jul 17, 2013	—	593	16.83%	—	—	—	—	—	13.00%	0.098Feb 2018
2013-3	May 15, 2013	—	591	16.85%	—	—	—	—	—	13.74%	0.097Jan 2018
2013-2	Mar 13, 2013	—	593	16.16%	—	—	—	—	—	15.34%	0.117Nov 2017
2013-1	Jan 16, 2013	—	591	16.83%	—	—	—	—	—	13.28%	0.098Sep 2017
2012-6	Oct 10, 2012	—	598	16.19%	—	—	—	—	—	10.53%	0.099Feb 2017
2012-5	Aug 15, 2012	—	593	16.79%	—	—	—	—	—	13.29%	0.099Apr 2017
2012-4	Jul 3, 2012	—	589	16.81%	—	—	—	—	—	12.92%	0.096Feb 2017
2012-3	May 16, 2012	—	578	18.09%	—	—	—	—	—	13.38%	0.098Dec 2016
2012-2	Mar 21, 2012	—	583	17.38%	—	—	—	—	—	12.35%	0.095Sep 2016
2012-1	Jan 19, 2012	—	592	16.51%	—	—	—	—	—	10.88%	0.099Jun 2016
2011-4	Oct 13, 2011	—	586	16.67%	—	—	—	—	—	11.63%	0.097May 2016
2011-3	Sep 15, 2011	—	586	16.87%	—	—	—	—	—	10.30%	0.097Jan 2016
2011-2	Jun 29, 2011	—	582	17.01%	—	—	—	—	—	11.34%	0.099Sep 2015
2011-1	May 4, 2011	—	582	16.84%	—	—	—	—	—	12.21%	0.099Aug 2015
2010-3	Nov 24, 2010	—	582	17.00%	—	—	—	—	—	9.54%	0.098Feb 2015
2010-2	Aug 25, 2010	—	584	17.52%	—	—	—	—	—	10.59%	0.099Oct 2014
2010-1	May 26, 2010	—	559	19.63%	—	—	—	—	—	13.49%	0.098May 2014

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.

Credit Score for deals before 2017 is the pool's weighted average at cut-off, as the issuer's later prospectuses print it.

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.