Presale Report  ·  Data as of 2024-04-30

Toyota Auto Receivables 2024-B Owner Trust Auto Loan prime FINAL · CLOSED 2024-04-30

Notes
$1,750.0MM
Pool
$1,876.3MM
Reserve
0.25%
AAA Sub
2.5%
Sponsor: Toyota Motor Credit Corporation  ·  Servicer: Toyota Motor Credit Corporation  ·  Trustee: U.S. Bank National Association

Capital Structure

ClassSize ($MM)% of PoolSub %CPN / SpreadWALLegal FinalS&PMoody's
Class A-1375.020.0%73.3%5.51% fxd0.202025-05-15A-1+P-1
Class A-2a262.114.0%59.3%5.41% fxd1.032027-03-15AaaAaa
Class A-2b357.919.1%40.2%+35 bps SOFR1.032027-03-15AaaAaa
Class A-3620.033.0%7.2%5.33% fxd2.462029-01-16AaaAaa
Class A-491.34.9%2.3%5.28% fxd3.802029-07-16AaaAaa
Class B43.72.3%0.0%2030-10-15

Transaction Parties

SponsorToyota Motor Credit Corporation
ServicerToyota Motor Credit Corporation
Depositor / TransferorToyota Auto Finance Receivables LLC
Indenture TrusteeU.S. Bank National Association
Owner TrusteeWilmington Trust, National Association
Asset Rep. ReviewerClayton Fixed Income Services LLC
UnderwritersBarclays Capital, RBC Capital Markets, Mischler Financial Group, U.S. Bancorp Investments, SMBC Nikko Securities, HSBC Securities

Issuer Track Record

TAOT 2024-BTAOT 2024-ATAOT 2023-DTAOT 2023-CTAOT 2023-BTAOT 2023-A
Collateral (pool at cut-off)
Closing date2024-04-302024-01-302023-11-142023-08-152023-05-232023-01-30
Pool balance$1,876.3MM$1,908.5MM$1,774.2MM$1,781.7MM$1,796.0MM$1,813.7MM
WA Credit Score767+1767767766765766
WA APR5.70%+1.06pp5.37%5.10%4.64%4.05%3.64%
WA original term mo66.0+1.066.0 mo65.0 mo65.0 mo65.0 mo65.0 mo
% new vehicles86.7%84.2%82.6%81.3%81.3%79.1%
Reserve %0.25%0.25%0.25%0.25%0.25%0.25%
Geo top-3CA 23.9%
TX 15.3%
IL 4.6%
CA 23.9%
TX 15.3%
IL 4.6%
CA 21.3%
TX 15.3%
PA 4.1%
CA 24.4%
TX 15.1%
IL 4.4%
CA 24.4%
TX 15.1%
IL 4.4%
CA 24.4%
TX 15.1%
IL 4.4%
Structure (at issuance)
AAA spread+35 bps−11bps+37 bps+55 bps+40 bps+52 bps
AAA % of pool71.0%+1.2pp71.3%70.5%69.0%68.0%
Subordination below AAA2.3%+0.1pp1.8%2.3%2.2%2.2%
OC (initial)0.85%0.85%0.85%0.85%0.85%0.85%
OC target0.85%0.85%0.85%0.85%0.85%0.85%
OC floor0.85%0.85%0.85%0.85%0.85%0.85%
YSOC6.73%6.40%9.82%7.65%10.91%11.78%
Tranches666665

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.

Peer Set

TAOT 2024-BGMCAR 2024-2HART 2024-AFCAOT 2024-AHAROT 2024-1WOART 2024-A
Collateral (pool at cut-off)
Closing date2024-04-302024-04-102024-03-202024-03-192024-02-212024-02-14
Pool balance$1,876.3MM$1,654.1MM$1,812.8MM$1,696.7MM$2,159.2MM$1,343.7MM
WA Credit Score767+1784766756768757
WA APR5.70%+0.24pp5.46%5.70%4.80%4.59%6.54%
WA original term mo66.0−0.668.0 mo66.6 mo63.7 mo62.2 mo67.6 mo
% new vehicles86.7%87.7%95.8%92.5%86.1%95.6%
Reserve %0.25%0.24%0.25%0.23%0.25%0.23%
Geo top-3CA 23.9%
TX 15.3%
IL 4.6%
TX 14.4%
FL 7.1%
NY 5.3%
TX 12.9%
FL 11.5%
CA 6.4%
TX 16.0%
CA 9.1%
FL 8.6%
NJ 4.9%
MA 4.9%
CA 4.8%
FL 47.9%
GA 18.3%
NC 15.8%
Structure (at issuance)
AAA spread+35 bps−2bps+39 bps+42 bps+36 bps+34 bps
AAA % of pool71.0%−0.2pp71.5%69.7%70.4%73.6%71.2%
Subordination below AAA2.3%−1.8pp2.9%4.5%4.7%0.0%4.1%
OC (initial)0.85%1.50%3.00%2.00%2.50%
OC target0.85%2.00%3.00%2.00%1.15%
OC floor0.85%2.00%3.00%2.00%0.50%
YSOC6.73%5.27%5.15%5.77%6.75%
Tranches677747

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.

Historical Performance Context

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 (146 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.

CNL by seasoning — TAOT vs. prime peers0.2%0.4%0.7%0.9%M0M12M24M36M48Seasoning (months from cut-off)CNLTAOT 2024-ATAOT 2023-DTAOT 2023-CTAOT 2023-Bprime peers medianPeer IQR (fixed cohort, n=85)
Portfolio 60+ DQ — TAOT vs. peers (calendar time)0.10%0.20%0.30%0.40%2021-042022-012022-102023-072024-04Calendar date60+ DQ rateTAOTBMWOTFCAOTGMCARHAROT

Toyota Motor Credit Corporation — ticker TAOT. Peer tier: prime.
Open in Explorer ↗ for FICO sub-band and new/used stratification.