| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final |
|---|---|---|---|---|---|---|
| Class A-1 Notes | 198.0 | 18.4% | 76.2% | — | — | 2027-10-18 |
| Class A-2-A Notes | — | — | — | — | — | 2029-10-16 |
| Class A-2-B Notes | 355.6 | 33.1% | 43.1% | — | — | 2029-10-16 |
| Class A-3 Notes | 355.6 | 33.1% | 9.9% | — | — | 2031-11-17 |
| Class A-4 Notes | 74.2 | 6.9% | 3.0% | — | — | 2032-06-16 |
| Class B Notes | 16.7 | 1.6% | 1.5% | — | — | 2032-08-16 |
| Class C Notes | 15.7 | 1.5% | 0.0% | — | — | 2034-04-17 |
| Sponsor | AmeriCredit Financial Services, Inc. |
|---|---|
| Servicer | AmeriCredit Financial Services, Inc. |
| Depositor / Transferor | AFS SenSub Corp. |
| Indenture Trustee | — |
| Owner Trustee | Wilmington Trust Company |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | Deutsche Bank Securities, J.P. Morgan Securities, MUFG Securities Americas, SMBC Nikko Securities, TD Securities, BNP Paribas Securities, Credit Agricole Securities, Great Pacific Securities |
| GMCAR 2026-4 | GMCAR 2026-3 | GMCAR 2026-2 | GMCAR 2026-1 | GMCAR 2025-4 | GMCAR 2025-3 | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-10-14 | 2026-07-15 | 2026-04-15 | 2026-01-14 | 2025-11-05 | 2025-07-16 |
| Pool balance | $1,073.3MM | $1,078.8MM | $1,335.0MM | $1,317.6MM | $951.1MM | $974.1MM |
| WA Credit Score | 773−8 | 781 | 777 | 779 | 781 | 783 |
| WA APR | 6.26%+0.33pp | 5.93% | 6.11% | 5.97% | 5.86% | 5.70% |
| WA original term mo | 13.0−57.0 | 70.0 mo | 70.0 mo | 70.0 mo | 13.0 mo | 69.0 mo |
| % new vehicles | 80.8% | 80.8% | 80.8% | 80.8% | 87.9% | 87.9% |
| Reserve % | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Geo top-3 | TX 14.5% CA 7.0% FL 6.7% | TX 14.4% FL 6.8% CA 6.7% | 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% |
| Structure (at issuance) | ||||||
| AAA spread | — | +30 bps | +40 bps | +32 bps | +32 bps | +30 bps |
| AAA % of pool | — | 73.5% | 75.7% | 75.6% | 75.6% | 72.9% |
| 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 | 2.68% | 3.18% | 2.19% | 2.44% | 2.68% | 3.50% |
| 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 2026-4 | NAROT 2026-B | FCAOT 2026-C | HART 2026-C | WOART 2026-C | BMWOT 2026-A | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-10-14 | 2026-09-30 | 2026-09-28 | 2026-09-23 | 2026-08-26 | 2026-08-19 |
| Pool balance | $1,073.3MM | $1,440.0MM | $1,663.6MM | $2,306.5MM | $1,084.4MM | $1,895.5MM |
| WA Credit Score | 773−1 | 784 | 753 | 774 | 758 | 784 |
| WA APR | 6.26%+1.77pp | 4.03% | 5.13% | 4.49% | 5.74% | 3.35% |
| WA original term mo | 13.0−53.2 | — | 66.5 mo | 65.9 mo | 69.0 mo | 65.1 mo |
| % new vehicles | 80.8% | 4.5% | 92.9% | 99.9% | 98.5% | 70.5% |
| Reserve % | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Geo top-3 | TX 14.5% CA 7.0% FL 6.7% | FL 7.5% CA 6.4% GA 4.0% | TX 17.7% FL 8.9% CA 8.6% | TX 13.0% FL 9.6% CA 8.6% | FL 46.2% GA 18.6% NC 15.4% | CA 15.9% TX 13.2% FL 10.9% |
| Structure (at issuance) | ||||||
| AAA spread | — | +33 bps | +33 bps | +37 bps | +31 bps | +30 bps |
| AAA % of pool | — | 67.4% | 69.0% | 64.9% | 70.0% | 72.0% |
| Subordination below AAA | 3.0%−1.2pp | 2.7% | 4.7% | 4.4% | 4.2% | 0.0% |
| OC (initial) | 2.75% | 1.00% | 2.00% | 3.00% | 0.00% | 2.50% |
| OC target | 2.75% | 1.00% | 2.00% | 3.00% | 0.90% | 2.50% |
| OC floor | 2.75% | 1.00% | 2.00% | 3.00% | 0.50% | 2.50% |
| YSOC | 2.68% | 9.81% | 5.09% | 8.12% | 6.76% | 5.31% |
| Tranches | 7 | 7 | 7 | 7 | 7 | 5 |
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 (208 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.