| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | DBRS |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 82.0 | 10.8% | 73.7% | +30 bps | 0.09 | 2027-04-15 | A-1+ | R-1(H) |
| Class A-2 | 123.3 | 16.2% | 57.5% | +59 bps | 0.46 | 2028-09-15 | AAA | AAA |
| Class A-3 | 123.3 | 16.2% | 41.2% | +61 bps | 1.20 | 2030-01-15 | AAA | AAA |
| Class B | 66.1 | 8.7% | 32.5% | +85 bps | 1.83 | 2032-02-15 | AA | AA |
| Class C | 85.5 | 11.2% | 21.3% | +115 bps | 2.38 | 2032-02-15 | A | A |
| Class D | 100.3 | 13.2% | 8.1% | +145 bps | 3.17 | 2032-02-15 | BBB | BBB |
| Class E | 61.5 | 8.1% | 0.0% | +345 bps | 3.71 | 2033-05-15 | BB | BB |
| Sponsor | Bridgecrest Acceptance Corporation |
|---|---|
| Servicer | Bridgecrest Acceptance Corporation |
| Depositor / Transferor | Bridgecrest Auto Funding LLC |
| Indenture Trustee | Clayton Fixed Income Services LLC |
| Owner Trustee | — |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | Wells Fargo Securities, BMO Capital Markets, Deutsche Bank Securities, Citigroup Global Markets |
| BLAST 2026-2 | BLAST 2026-1 | BLAST 2025-4 | BLAST 2025-3 | BLAST 2025-2 | BLAST 2025-1 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-04-28 | 2026-01-28 | 2025-10-22 | 2025-07-29 | 2025-05-23 | 2025-01-29 |
| Pool balance | $759.9MM | $760.0MM | $700.0MM | $550.0MM | $850.0MM | $725.0MM |
| WA Credit Score | 572+17 | 576 | 576 | 552 | 555 | 553 |
| WA APR | 21.42%−0.62pp | 21.76% | 22.02% | 22.04% | 22.15% | 22.49% |
| WA original term mo | 67.00.0 | 67.0 mo | 67.0 mo | 67.0 mo | 67.0 mo | 65.0 mo |
| % new vehicles | 0.2% | 0.4% | 0.3% | 0.2% | 0.2% | — |
| Reserve % | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% |
| Geo top-3 | TX 13.7% FL 11.0% GA 8.4% | TX 13.4% FL 11.0% GA 8.6% | TX 13.1% FL 11.0% GA 9.1% | TX 13.0% FL 11.8% GA 8.8% | TX 12.8% FL 12.6% GA 8.4% | TX 13.1% FL 12.6% GA 8.6% |
| Structure (at issuance) | ||||||
| AAA spread | +59 bps+8bps | +50 bps | +60 bps | +51 bps | +65 bps | +46 bps |
| AAA % of pool | 32.5%+2.8pp | 34.5% | 35.6% | 28.8% | 29.7% | 28.2% |
| Subordination below AAA | 41.2%−4.1pp | 41.1% | 40.8% | 45.3% | 45.4% | 46.0% |
| OC (initial) | 15.50% | 15.00% | 15.00% | 15.00% | 15.10% | 14.00% |
| OC target | 22.50% | 20.90% | 20.00% | 20.75% | 20.90% | 20.00% |
| OC floor | 3.00% | 3.00% | 3.00% | 3.00% | 3.25% | 3.25% |
| YSOC | n.a. | n.a. | n.a. | n.a. | n.a. | n.a. |
| Tranches | 7 | 7 | 7 | 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.
| BLAST 2026-2 | EART 2026-2 | SDART 2026-1 | CMXS 2026-A | DRIVE 2025-2 | AMCAR 2024-1 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-04-28 | 2026-03-31 | 2026-02-25 | 2026-02-25 | 2025-09-24 | 2024-05-29 |
| Pool balance | $759.9MM | $757.7MM | $1,936.2MM | $769.2MM | $1,866.5MM | $1,675.9MM |
| WA Credit Score | 572−16 | 582 | 605 | 612 | 585 | 588 |
| WA APR | 21.42%+3.38pp | 19.41% | 18.04% | 16.49% | 19.81% | 13.57% |
| WA original term mo | 67.0−4.7 | 76.0 mo | 71.8 mo | 70.1 mo | 71.7 mo | 71.0 mo |
| % new vehicles | 0.2% | — | 26.7% | 0.0% | 28.1% | 56.9% |
| Reserve % | 1.50% | 1.00% | 1.00% | 2.50% | 1.00% | 1.00% |
| Geo top-3 | TX 13.7% FL 11.0% GA 8.4% | TX 20.6% CA 11.3% FL 8.0% | TX 15.6% FL 13.2% CA 9.3% | CA 15.0% TX 13.2% FL 8.6% | TX 17.7% FL 12.4% CA 7.8% | TX 16.3% FL 7.4% OH 7.1% |
| Structure (at issuance) | ||||||
| AAA spread | +59 bps+1bps | +60 bps | +53 bps | +58 bps | +56 bps | +60 bps |
| AAA % of pool | 32.5%−19.1pp | 40.4% | 53.7% | 55.3% | 42.2% | 51.6% |
| Subordination below AAA | 41.2%+8.4pp | 48.6% | 33.9% | 23.7% | 32.8% | 25.3% |
| OC (initial) | 15.50% | 4.40% | 2.20% | 2.50% | 14.50% | 5.75% |
| OC target | 22.50% | 11.70% | 3.65% | 8.65% | 19.00% | 14.75% |
| OC floor | 3.00% | 1.50% | 2.00% | 0.50% | 3.00% | — |
| YSOC | n.a. | n.a. | n.a. | n.a. | n.a. | — |
| Tranches | 7 | 8 | 7 | 8 | 6 | 8 |
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 (113 series across 6 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.
Bridgecrest Acceptance Corporation — ticker BLAST.
Peer tier: subprime.
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FICO sub-band and new/used stratification.