| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | Fitch |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 268.0 | 19.1% | 74.6% | 3.82% fxd | 0.24 | 2027-05-17 | A-1+ | F1+ |
| Class A-2A | 250.0 | 17.8% | 56.8% | 4.11% fxd | 1.07 | 2029-06-15 | AAA | AAA |
| Class A-2B | 199.1 | 14.2% | 42.6% | +38 bps SOFR | 1.07 | 2029-06-15 | AAA | AAA |
| Class A-3 | 449.1 | 31.9% | 10.7% | 4.37% fxd | 2.57 | 2031-06-16 | AAA | AAA |
| Class A-4 | 90.9 | 6.5% | 4.2% | 4.45% fxd | 3.81 | 2032-08-16 | AAA | AAA |
| Class B | 39.5 | 2.8% | 1.4% | 4.61% fxd | 3.84 | 2032-08-16 | AA | AA |
| Class C | 19.7 | 1.4% | 0.0% | 4.86% fxd | — | 2033-07-15 | — | — |
| Sponsor | World Omni Financial Corp |
|---|---|
| Servicer | World Omni Financial Corp |
| Depositor / Transferor | Financial Corp |
| Indenture Trustee | Wilmington Trust, National Association |
| Owner Trustee | U.S. Bank Trust National Association |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | BofA Securities, U.S. Bancorp Investments, Mizuho Securities |
| WOART 2026-B | WOART 2026-A | WOART 2025-D | WOART 2025-C | WOART 2025-B | WOART 2025-A | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-05-13 | 2026-02-18 | 2025-10-15 | 2025-08-13 | 2025-05-14 | 2025-01-29 |
| Pool balance | $1,406.0MM | $1,312.6MM | $982.7MM | $1,302.9MM | $1,281.8MM | $1,305.7MM |
| WA Credit Score | 759+2 | 758 | 757 | 758 | 756 | 756 |
| WA APR | 5.79%−0.51pp | 5.87% | 6.15% | 6.30% | 6.49% | 6.61% |
| WA original term mo | 68.6+0.3 | 68.4 mo | 68.6 mo | 68.3 mo | 67.9 mo | 68.2 mo |
| % new vehicles | 98.1% | 98.0% | 97.6% | 97.3% | 96.4% | 95.6% |
| Reserve % | 0.23% | 0.24% | 0.23% | 0.23% | 0.24% | 0.23% |
| Geo top-3 | FL 45.9% GA 18.6% NC 15.2% | FL 44.5% GA 18.6% NC 16.2% | FL 46.0% GA 18.7% NC 15.7% | FL 47.4% GA 18.6% NC 14.9% | FL 47.7% GA 18.7% NC 15.4% | FL 49.1% GA 18.2% NC 17.8% |
| Structure (at issuance) | ||||||
| AAA spread | +38 bps+5bps | +31 bps | +31 bps | +35 bps | +47 bps | +33 bps |
| AAA % of pool | 70.3%+0.3pp | 69.7% | 69.9% | 70.4% | 70.1% | 71.1% |
| Subordination below AAA | 4.2%−0.0pp | 4.2% | 4.2% | 4.2% | 4.3% | 4.2% |
| OC (initial) | — | — | — | — | — | — |
| OC target | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% |
| OC floor | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% |
| YSOC | 6.38% | 5.47% | 6.55% | 6.48% | 5.38% | 4.86% |
| 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.
| WOART 2026-B | HAROT 2026-2 | TAOT 2026-B | GMCAR 2026-2 | FCAOT 2026-A | HART 2026-A | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-05-13 | 2026-05-13 | 2026-04-21 | 2026-04-15 | 2026-03-24 | 2026-02-18 |
| Pool balance | $1,406.0MM | $2,159.3MM | $2,000.6MM | $1,335.0MM | $1,489.0MM | $2,392.4MM |
| WA Credit Score | 759−11 | 768 | 770 | 777 | 754 | 775 |
| WA APR | 5.79%+0.41pp | 4.99% | 5.57% | 6.11% | 4.84% | 5.38% |
| WA original term mo | 68.6+2.6 | 61.9 mo | 66.0 mo | 70.0 mo | 65.8 mo | 67.2 mo |
| % new vehicles | 98.1% | 86.1% | 87.6% | 80.8% | 93.8% | 97.5% |
| Reserve % | 0.23% | 0.25% | 0.25% | 0.25% | 0.18% | 0.25% |
| Geo top-3 | FL 45.9% GA 18.6% NC 15.2% | CA 15.3% TX 9.9% NY 6.2% | CA 24.1% TX 16.1% AZ 3.6% | 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% |
| Structure (at issuance) | ||||||
| AAA spread | +38 bps0bps | +38 bps | +38 bps | +40 bps | +43 bps | +34 bps |
| AAA % of pool | 70.3%−2.2pp | 72.8% | 72.6% | 75.7% | 70.7% | 69.0% |
| Subordination below AAA | 4.2%+1.2pp | 0.0% | 2.4% | 3.0% | 4.8% | 4.5% |
| OC (initial) | — | — | 0.85% | 2.75% | 2.00% | 3.00% |
| OC target | 0.90% | — | 0.85% | 2.75% | 2.00% | 3.00% |
| OC floor | 0.50% | — | 0.85% | 2.75% | 2.00% | 3.00% |
| YSOC | 6.38% | 5.10% | 5.03% | 2.19% | 4.56% | 5.70% |
| Tranches | 7 | 5 | 6 | 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.
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 (199 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.
World Omni Financial Corp — ticker WOART.
Peer tier: prime.
Open in Explorer ↗ for
FICO sub-band and new/used stratification.