| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | Fitch |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 260.9 | 23.3% | 76.3% | — | — | — | — | — |
| Class A-2 | 328.8 | 29.3% | 47.0% | +39 bps | 0.91 | 2028-11-28 | AAA | AAA |
| Class A-3 | 378.8 | 33.8% | 13.2% | +46 bps | 2.14 | 2030-10-30 | AAA | AAA |
| Class A-4 | 90.6 | 8.1% | 5.2% | +53 bps | 3.41 | 2031-06-30 | AAA | AAA |
| Class B | 23.6 | 2.1% | 3.1% | — | — | — | — | — |
| Class C | 19.6 | 1.7% | 1.3% | — | — | — | — | — |
| Class D | 14.6 | 1.3% | 0.0% | — | — | — | — | — |
| Sponsor | Ally Bank |
|---|---|
| Servicer | Ally Bank |
| Depositor / Transferor | CEO Certification |
| Indenture Trustee | U.S. Bank Trust Company, National Association |
| Owner Trustee | BNY Mellon Trust of Delaware |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | BofA Securities, Barclays Capital, Morgan Stanley, Lloyds Securities |
| AART 2026-1 | AART 2025-1 | AART 2024-2 | AART 2024-1 | AART 2023-1 | AART 2022-3 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-03-10 | 2025-10-16 | 2024-09-27 | 2024-03-13 | 2023-07-19 | 2022-12-14 |
| Pool balance | $1,121.9MM | $1,122.0MM | $1,120.0MM | $1,122.0MM | $1,122.0MM | $1,029.0MM |
| WA Credit Score | 7340 | 734 | 734 | 734 | 730 | 729 |
| WA APR | 6.93%0.00pp | 6.93% | 6.93% | 6.93% | 5.88% | 5.26% |
| WA original term mo | 70.4−0.2 | 70.6 mo | 71.0 mo | 71.0 mo | 69.4 mo | 70.1 mo |
| % new vehicles | 40.0% | 40.0% | 40.3% | 40.0% | 41.6% | 40.0% |
| Reserve % | 1.00% | 1.00% | — | — | — | — |
| Geo top-3 | TX 13.4% FL 8.6% CA 7.1% | TX 12.8% FL 8.8% CA 7.4% | TX 12.3% FL 9.7% CA 7.3% | TX 13.1% FL 9.1% CA 6.9% | TX 13.4% FL 9.5% CA 6.2% | TX 11.8% CA 9.2% FL 9.0% |
| Structure (at issuance) | ||||||
| AAA spread | +39 bps−13bps | — | — | +42 bps | — | +62 bps |
| AAA % of pool | 71.1%−0.0pp | 71.1% | 73.1% | 70.7% | 72.5% | 69.7% |
| Subordination below AAA | 5.2%+0.1pp | 5.1% | 0.0% | 5.2% | 5.1% | 4.9% |
| OC (initial) | 0.45% | 0.45% | 6.03% | 0.45% | 1.61% | 4.37% |
| OC target | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% |
| OC floor | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% |
| YSOC | n.a. | n.a. | n.a. | n.a. | n.a. | n.a. |
| Tranches | 7 | 7 | 4 | 7 | 7 | 7 |
OC shown net of any yield-supplement overcollateralization (YSOC); YSOC is a yield mechanism for subvented low-APR pools and is reported separately. OC target is a % of the pool balance — current (amortizing) for greater-of/sum-of structures, original (cut-off) for flat structures; OC floor is a % of the original pool balance.
| AART 2026-1 | WOART 2026-A | HART 2026-A | HAROT 2026-1 | CAOT 2026-1 | TAOT 2026-A | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-03-10 | 2026-02-18 | 2026-02-18 | 2026-02-18 | 2026-01-28 | 2026-01-21 |
| Pool balance | $1,121.9MM | $1,312.6MM | $2,392.4MM | $2,483.1MM | $1,306.5MM | $1,995.4MM |
| WA Credit Score | 734−36 | 758 | 775 | 770 | 760 | 771 |
| WA APR | 6.93%+1.25pp | 5.87% | 5.38% | 5.00% | 8.73% | 5.68% |
| WA original term mo | 70.4+3.3 | 68.4 mo | 67.2 mo | 61.6 mo | 67.1 mo | 65.9 mo |
| % new vehicles | 40.0% | 98.0% | 97.5% | 86.5% | 0.0% | 88.0% |
| Reserve % | 1.00% | 0.24% | 0.25% | 0.25% | 0.50% | 0.25% |
| Geo top-3 | TX 13.4% FL 8.6% CA 7.1% | FL 44.5% GA 18.6% NC 16.2% | TX 13.2% FL 10.1% CA 9.1% | CA 16.0% TX 9.5% NY 6.7% | CA 17.6% TX 10.1% FL 6.8% | CA 23.8% TX 16.7% IL 3.8% |
| Structure (at issuance) | ||||||
| AAA spread | +39 bps+5bps | +31 bps | +34 bps | +34 bps | +37 bps | +33 bps |
| AAA % of pool | 71.1%+0.3pp | 69.7% | 69.0% | 73.1% | 70.9% | 73.6% |
| Subordination below AAA | 5.2%+0.9pp | 4.2% | 4.5% | 0.0% | 4.4% | 2.4% |
| OC (initial) | 0.45% | — | 3.00% | — | 0.50% | 0.85% |
| OC target | 1.30% | 0.90% | 3.00% | — | 0.50% | 0.85% |
| OC floor | 1.30% | 0.50% | 3.00% | — | 0.50% | 0.85% |
| YSOC | n.a. | 5.47% | 5.70% | 4.09% | n.a. | 4.78% |
| Tranches | 7 | 7 | 7 | 5 | 8 | 6 |
OC shown net of any yield-supplement overcollateralization (YSOC); YSOC is a yield mechanism for subvented low-APR pools and is reported separately. OC target is a % of the pool balance — current (amortizing) for greater-of/sum-of structures, original (cut-off) for flat structures; OC floor is a % of the original pool balance.
Anchor expectations in empirical base rates from the sponsor's prior series and FICO-tier peer set.
Left: per-series cumulative NET loss at matched seasoning 10-D (10-D servicer distribution reports). IQR band uses a fixed cohort of all peer series with ≥18 months of data (277 series across 22 issuers). Right: portfolio-level 60+ DQ rate aggregated across all active deals per issuer (calendar time, last 3 years), from ABS-EE loan-level data ABS-EE.
Ally Bank — ticker AART.
Peer tier: prime.
Open in Explorer ↗ for
FICO sub-band and new/used stratification.