| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | Moody's | Fitch |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 218.3 | 16.4% | 78.8% | +14 bps | 0.25 | 2027-04-01 | P-1 | F1+ |
| Class A-2-A | 375.4 | 28.1% | 50.6% | +40 bps | 1.11 | 2029-05-01 | Aaa | AAA |
| Class A-2-B | 100.0 | 7.5% | 43.2% | +40 bps SOFR | 1.11 | 2029-05-01 | Aaa | AAA |
| Class A-3 | 475.4 | 35.6% | 7.5% | +39 bps | 2.68 | 2031-08-01 | Aaa | AAA |
| Class A-4 | 60.2 | 4.5% | 3.0% | +41 bps | 3.84 | 2032-02-01 | Aaa | AAA |
| Class B | 20.9 | 1.6% | 1.5% | +63 bps | 3.84 | 2032-04-01 | Aa2 | AA |
| Class C | 19.6 | 1.5% | 0.0% | +83 bps | 3.84 | 2033-11-01 | A2 | A |
| Sponsor | AmeriCredit Financial Services, Inc |
|---|---|
| Servicer | AmeriCredit Financial Services, Inc. |
| Depositor / Transferor | AFS SenSub Corp |
| Indenture Trustee | — |
| Owner Trustee | Wilmington Trust, National Association |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | BMO Capital Markets, BofA Securities, J.P. Morgan Securities, Lloyds Securities, BNP Paribas Securities, Citigroup Global Markets |
| GMCAR 2026-2 | GMCAR 2026-1 | GMCAR 2025-4 | GMCAR 2025-3 | GMCAR 2025-2 | GMCAR 2025-1 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-04-15 | 2026-01-14 | 2025-11-05 | 2025-07-16 | 2025-05-14 | 2025-01-15 |
| Pool balance | $1,335.0MM | $1,317.6MM | $951.1MM | $974.1MM | $984.2MM | $1,644.9MM |
| WA Credit Score | 777−4 | 779 | 781 | 783 | 782 | 781 |
| WA APR | 6.11%+0.25pp | 5.97% | 5.86% | 5.70% | 5.82% | 6.08% |
| WA original term mo | 70.0+1.0 | 70.0 mo | 13.0 mo | 69.0 mo | 69.0 mo | 13.0 mo |
| % new vehicles | 80.8% | 80.8% | 87.9% | 87.9% | 87.9% | 87.9% |
| Reserve % | 0.25% | 0.25% | 0.25% | 0.25% | 0.24% | 0.24% |
| Geo top-3 | TX 14.2% FL 7.1% CA 6.7% | TX 14.6% FL 7.1% CA 6.3% | TX 14.1% FL 7.1% CA 7.0% | TX 13.7% FL 7.4% CA 6.4% | TX 12.2% FL 7.7% NY 6.2% | TX 13.9% FL 7.0% MI 5.6% |
| Structure (at issuance) | ||||||
| AAA spread | +40 bps+8bps | +32 bps | +32 bps | +30 bps | +45 bps | +33 bps |
| AAA % of pool | 75.7%+2.3pp | 75.6% | 75.6% | 72.9% | 73.0% | 73.4% |
| Subordination below AAA | 3.0%+0.0pp | 3.0% | 3.0% | 3.0% | 3.0% | 3.0% |
| OC (initial) | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| OC target | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| OC floor | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| YSOC | 2.19% | 2.44% | 2.68% | 3.50% | 2.86% | 3.13% |
| 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.
| GMCAR 2026-2 | FCAOT 2026-A | HART 2026-A | HAROT 2026-1 | WOART 2026-A | TAOT 2026-A | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-04-15 | 2026-03-24 | 2026-02-18 | 2026-02-18 | 2026-02-18 | 2026-01-21 |
| Pool balance | $1,335.0MM | $1,489.0MM | $2,392.4MM | $2,483.1MM | $1,312.6MM | $1,995.4MM |
| WA Credit Score | 777+7 | 754 | 775 | 770 | 758 | 771 |
| WA APR | 6.11%+0.73pp | 4.84% | 5.38% | 5.00% | 5.87% | 5.68% |
| WA original term mo | 70.0+4.1 | 65.8 mo | 67.2 mo | 61.6 mo | 68.4 mo | 65.9 mo |
| % new vehicles | 80.8% | 93.8% | 97.5% | 86.5% | 98.0% | 88.0% |
| Reserve % | 0.25% | 0.18% | 0.25% | 0.25% | 0.24% | 0.25% |
| Geo top-3 | TX 14.2% FL 7.1% CA 6.7% | TX 16.5% FL 8.6% CA 8.5% | TX 13.2% FL 10.1% CA 9.1% | CA 16.0% TX 9.5% NY 6.7% | FL 44.5% GA 18.6% NC 16.2% | CA 23.8% TX 16.7% IL 3.8% |
| Structure (at issuance) | ||||||
| AAA spread | +40 bps+6bps | +43 bps | +34 bps | +34 bps | +31 bps | +33 bps |
| AAA % of pool | 75.7%+5.0pp | 70.7% | 69.0% | 73.1% | 69.7% | 73.6% |
| Subordination below AAA | 3.0%−1.2pp | 4.8% | 4.5% | 0.0% | 4.2% | 2.4% |
| OC (initial) | 2.75% | 2.00% | 3.00% | — | — | 0.85% |
| OC target | 2.75% | 2.00% | 3.00% | — | 0.90% | 0.85% |
| OC floor | 2.75% | 2.00% | 3.00% | — | 0.50% | 0.85% |
| YSOC | 2.19% | 4.56% | 5.70% | 4.09% | 5.47% | 4.78% |
| Tranches | 7 | 7 | 7 | 5 | 7 | 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 (197 series across 9 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.
AmeriCredit Financial Services, Inc — ticker GMCAR.
Peer tier: prime.
Open in Explorer ↗ for
FICO sub-band and new/used stratification.