| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | DBRS |
|---|---|---|---|---|---|---|---|---|
| Class A-1 Notes | 79.9 | 11.2% | 73.2% | — | — | 2027-07-15 | A-1+ | R-1(high) |
| Class A-2 Notes | 111.5 | 15.7% | 57.5% | — | — | 2029-02-15 | AAA | AAA |
| Class A-3 Notes | 111.5 | 15.7% | 41.8% | — | — | 2030-04-15 | AAA | AAA |
| Class B Notes | 68.9 | 9.7% | 32.1% | — | — | 2032-04-15 | AA | AA |
| Class C Notes | 88.0 | 12.4% | 19.7% | — | — | 2032-04-15 | A | A |
| Class D Notes | 88.8 | 12.5% | 7.2% | — | — | 2032-04-15 | BBB | BBB |
| Class E | 51.5 | 7.2% | 0.0% | — | — | — | — | — |
| Sponsor | Bridgecrest Acceptance Corporation |
|---|---|
| Servicer | Credit Risk Retention |
| Depositor / Transferor | Bridgecrest Auto Funding LLC |
| Indenture Trustee | Computershare Trust Company, National Association |
| Owner Trustee | — |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | BMO Capital Markets, Wells Fargo Securities, Deutsche Bank Securities, Citigroup Global Markets |
| BLAST 2026-3 | BLAST 2026-2 | BLAST 2026-1 | BLAST 2025-4 | BLAST 2025-3 | BLAST 2025-2 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | — | 2026-04-28 | 2026-01-28 | 2025-10-22 | 2025-07-29 | 2025-05-23 |
| Pool balance | $710.1MM | $759.9MM | $760.0MM | $700.0MM | $550.0MM | $850.0MM |
| WA Credit Score | 573+1 | 572 | 576 | 576 | 552 | 555 |
| WA APR | 21.64%−0.38pp | 21.42% | 21.76% | 22.02% | 22.04% | 22.15% |
| WA original term mo | 67.00.0 | 67.0 mo | 67.0 mo | 67.0 mo | 67.0 mo | 67.0 mo |
| % new vehicles | 0.7% | 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 13.2% FL 11.1% GA 8.7% | 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% |
| Structure (at issuance) | ||||||
| AAA spread | — | +59 bps | +50 bps | +60 bps | +51 bps | +65 bps |
| AAA % of pool | 31.4%−1.1pp | 32.5% | 34.5% | 35.6% | 28.8% | 29.7% |
| Subordination below AAA | 41.8%+0.6pp | 41.2% | 41.1% | 40.8% | 45.3% | 45.4% |
| OC (initial) | 15.50% | 15.50% | 15.00% | 15.00% | 15.00% | 15.10% |
| OC target | 22.25% | 22.50% | 20.90% | 20.00% | 20.75% | 20.90% |
| OC floor | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 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 2026-3 | EART 2026-3 | CMXS 2026-B | SDART 2026-1 | DRIVE 2025-2 | AMCAR 2024-1 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | — | 2026-06-24 | 2026-06-16 | 2026-02-25 | 2025-09-24 | 2024-05-29 |
| Pool balance | $710.1MM | $1,349.4MM | $621.8MM | $1,936.2MM | $1,866.5MM | $1,675.9MM |
| WA Credit Score | 573−15 | 584 | 613 | 605 | 585 | 588 |
| WA APR | 21.64%+3.60pp | 18.58% | 16.30% | 18.04% | 19.81% | 13.57% |
| WA original term mo | 67.0−4.7 | 77.0 mo | 70.1 mo | 71.8 mo | 71.7 mo | 71.0 mo |
| % new vehicles | 0.7% | — | 0.0% | 26.7% | 28.1% | 56.9% |
| Reserve % | 1.50% | 1.00% | 3.50% | 1.00% | 1.00% | 1.00% |
| Geo top-3 | TX 13.2% FL 11.1% GA 8.7% | TX 20.3% CA 10.8% FL 8.2% | CA 16.9% TX 13.5% FL 8.3% | TX 15.6% FL 13.2% CA 9.3% | TX 17.7% FL 12.4% CA 7.8% | TX 16.3% FL 7.4% OH 7.1% |
| Structure (at issuance) | ||||||
| AAA spread | — | +60 bps | +58 bps | +53 bps | +56 bps | +60 bps |
| AAA % of pool | 31.4%−20.2pp | 37.3% | 54.8% | 53.7% | 42.2% | 51.6% |
| Subordination below AAA | 41.8%+9.0pp | 47.9% | 27.2% | 33.9% | 32.8% | 25.3% |
| OC (initial) | 15.50% | 6.80% | 3.50% | 2.20% | 14.50% | 5.75% |
| OC target | 22.25% | 12.25% | 10.00% | 3.65% | 19.00% | 14.75% |
| OC floor | 3.00% | 1.50% | 0.50% | 2.00% | 3.00% | — |
| YSOC | n.a. | n.a. | n.a. | n.a. | n.a. | — |
| Tranches | 7 | 8 | 7 | 7 | 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 (115 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.