Presale Report  ·  Data as of 2024-10-17

Toyota Auto Receivables 2024-D Owner Trust Auto Loan prime FINAL · CLOSED 2024-10-17

Notes
$1,750.0MM
Pool
$1,841.9MM
Reserve
0.25%
AAA Sub
2.5%
Sponsor: Toyota Motor Credit Corporation  ·  Servicer: Toyota Motor Credit Corporation  ·  Trustee: Citibank, N.A

Capital Structure

ClassSize ($MM)% of PoolSub %CPN / SpreadWALLegal FinalS&PMoody's
Class A-1349.018.9%76.1%4.79% fxd0.212025-10-15A-1+P-1
Class A-2a265.014.4%61.7%4.55% fxd1.032027-08-16AAAAaa
Class A-2b397.521.6%40.1%+39 bps SOFR1.032027-08-16AAAAaa
Class A-3597.532.4%7.7%4.40% fxd2.462029-06-15AAAAaa
Class A-497.25.3%2.4%4.43% fxd3.762030-04-15AAAAaa
Class B43.82.4%0.0%2031-04-15

Transaction Parties

SponsorToyota Motor Credit Corporation
ServicerToyota Motor Credit Corporation
Depositor / TransferorToyota Auto Finance Receivables LLC
Indenture TrusteeCitibank, N.A
Owner TrusteeWilmington Trust, National Association
Asset Rep. ReviewerClayton Fixed Income Services LLC
UnderwritersBarclays Capital, RBC Capital Markets, Mizuho Securities, MUFG Securities Americas, Scotia Capital

Issuer Track Record

TAOT 2024-DTAOT 2024-CTAOT 2024-BTAOT 2024-ATAOT 2023-DTAOT 2023-C
Collateral (pool at cut-off)
Closing date2024-10-172024-07-302024-04-302024-01-302023-11-142023-08-15
Pool balance$1,841.9MM$1,864.8MM$1,876.3MM$1,908.5MM$1,774.2MM$1,781.7MM
WA Credit Score770+3769767767767766
WA APR5.96%+0.59pp6.04%5.70%5.37%5.10%4.64%
WA original term mo65.4+0.065.4 mo66.0 mo66.0 mo65.0 mo65.0 mo
% new vehicles90.0%87.0%86.7%84.2%82.6%81.3%
Reserve %0.25%0.25%0.25%0.25%0.25%0.25%
Geo top-3TX 17.3%
CA 15.6%
PA 4.5%
CA 16.3%
TX 16.2%
PA 4.6%
CA 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%
Structure (at issuance)
AAA spread+39 bps+2bps+37 bps+35 bps+37 bps+55 bps+40 bps
AAA % of pool73.7%+2.7pp71.0%71.0%71.3%70.5%
Subordination below AAA2.4%+0.1pp2.3%2.3%1.8%2.3%
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%
YSOC4.99%6.16%6.73%6.40%9.82%7.65%
Tranches666666

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-DGMCAR 2024-4HART 2024-CFCAOT 2024-CHAROT 2024-3WOART 2024-C
Collateral (pool at cut-off)
Closing date2024-10-172024-10-162024-10-162024-09-202024-08-212024-08-20
Pool balance$1,841.9MM$1,346.6MM$1,859.5MM$1,688.8MM$2,159.2MM$1,312.6MM
WA Credit Score770+2782769756768756
WA APR5.96%+0.13pp5.83%5.97%4.74%4.72%6.67%
WA original term mo65.4−2.669.0 mo68.0 mo64.8 mo61.3 mo68.1 mo
% new vehicles90.0%87.7%96.7%93.9%85.3%96.2%
Reserve %0.25%0.24%0.25%0.23%0.25%0.23%
Geo top-3TX 17.3%
CA 15.6%
PA 4.5%
TX 15.3%
FL 7.2%
MI 5.3%
TX 12.7%
FL 10.6%
CA 8.9%
TX 16.1%
FL 8.6%
CA 8.4%
CA 16.2%
TX 9.7%
NY 6.7%
Structure (at issuance)
AAA spread+39 bps−1bps+40 bps+40 bps+40 bps+48 bps
AAA % of pool73.7%+3.9pp72.8%69.8%69.3%72.4%35.4%
Subordination below AAA2.4%−1.8pp1.6%4.6%4.7%0.0%4.2%
OC (initial)0.85%1.50%3.00%2.00%2.50%
OC target0.85%2.00%3.00%2.00%0.90%
OC floor0.85%2.00%3.00%2.00%0.50%
YSOC4.99%3.04%4.98%6.50%7.77%
Tranches667747

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 (158 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-CTAOT 2024-BTAOT 2024-ATAOT 2023-Dprime peers medianPeer IQR (fixed cohort, n=94)
Portfolio 60+ DQ — TAOT vs. peers (calendar time)0.11%0.22%0.33%0.43%2021-102022-062023-032023-122024-09Calendar date60+ DQ rateTAOTBMWOTFCAOTGMCARHAROT

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