| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | Fitch |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 206.0 | 19.0% | 74.2% | 3.91% fxd | 0.22 | 2027-08-16 | A-1+ | F1+ |
| Class A-2A | 286.0 | 26.4% | 47.9% | 4.27% fxd | 1.10 | 2029-11-15 | AAA | AAA |
| Class A-2B | 75.0 | 6.9% | 41.0% | +31 bps SOFR | 1.10 | 2029-11-15 | AAA | AAA |
| Class A-3 | 329.0 | 30.3% | 10.6% | 4.60% fxd | 2.64 | 2031-10-15 | AAA | AAA |
| Class A-4 | 69.6 | 6.4% | 4.2% | 4.68% fxd | 3.86 | 2032-11-15 | AAA | AAA |
| Class B | 30.3 | 2.8% | 1.4% | 4.80% fxd | 3.89 | 2032-11-15 | AA | AA |
| Class C | 15.2 | 1.4% | 0.0% | 4.95% fxd | 3.89 | 2033-10-17 | A | A |
| Sponsor | World Omni Financial Corp |
|---|---|
| Servicer | World Omni Financial Corp |
| Depositor / Transferor | World Omni Financial Corp |
| Indenture Trustee | U.S. Bank Trust Company, National Association |
| Owner Trustee | Wilmington Trust, National Association |
| Asset Rep. Reviewer | Clayton Fixed Income Services LLC |
| Underwriters | TD Securities, Wells Fargo Securities, U.S. Bancorp Investments |
| WOART 2026-C | WOART 2026-B | WOART 2026-A | WOART 2025-D | WOART 2025-C | WOART 2025-B | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-08-26 | 2026-05-13 | 2026-02-18 | 2025-10-15 | 2025-08-13 | 2025-05-14 |
| Pool balance | $1,084.4MM | $1,406.0MM | $1,312.6MM | $982.7MM | $1,302.9MM | $1,281.8MM |
| WA Credit Score | 7580 | 759 | 758 | 757 | 758 | 756 |
| WA APR | 5.74%−0.41pp | 5.79% | 5.87% | 6.15% | 6.30% | 6.49% |
| WA original term mo | 69.0+0.6 | 68.6 mo | 68.4 mo | 68.6 mo | 68.3 mo | 67.9 mo |
| % new vehicles | 98.5% | 98.1% | 98.0% | 97.6% | 97.3% | 96.4% |
| Reserve % | 0.23% | 0.23% | 0.24% | 0.23% | 0.23% | 0.24% |
| Geo top-3 | FL 46.2% GA 18.6% NC 15.4% | 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% |
| Structure (at issuance) | ||||||
| AAA spread | +31 bps−4bps | +38 bps | +31 bps | +31 bps | +35 bps | +47 bps |
| AAA % of pool | 70.0%−0.0pp | 70.3% | 69.7% | 69.9% | 70.4% | 70.1% |
| Subordination below AAA | 4.2%−0.0pp | 4.2% | 4.2% | 4.2% | 4.2% | 4.3% |
| 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 | 6.76% | 6.38% | 5.47% | 6.55% | 6.48% | 5.38% |
| 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-C | BMWOT 2026-A | HAROT 2026-3 | TAOT 2026-C | GMCAR 2026-3 | FCAOT 2026-B | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-08-26 | 2026-08-19 | 2026-08-12 | 2026-07-21 | 2026-07-15 | 2026-06-23 |
| Pool balance | $1,084.4MM | $1,895.5MM | $2,159.3MM | $2,023.1MM | $1,078.8MM | $1,655.3MM |
| WA Credit Score | 758−13 | 784 | 770 | 771 | 781 | 752 |
| WA APR | 5.74%+0.67pp | 3.35% | 4.94% | 5.36% | 5.93% | 5.07% |
| WA original term mo | 69.0+3.0 | 65.1 mo | 62.7 mo | 66.0 mo | 70.0 mo | 66.4 mo |
| % new vehicles | 98.5% | 70.5% | 86.1% | 87.5% | 80.8% | 92.6% |
| Reserve % | 0.23% | 0.25% | 0.25% | 0.25% | 0.25% | 0.24% |
| Geo top-3 | FL 46.2% GA 18.6% NC 15.4% | CA 15.9% TX 13.2% FL 10.9% | CA 16.1% TX 10.0% NY 5.8% | CA 24.2% TX 16.3% IL 3.9% | TX 14.4% FL 6.8% CA 6.7% | TX 17.3% CA 8.7% FL 8.5% |
| Structure (at issuance) | ||||||
| AAA spread | +31 bps+1bps | +30 bps | +32 bps | +31 bps | +30 bps | +14 bps |
| AAA % of pool | 70.0%−3.9pp | 72.0% | 73.9% | 91.6% | 73.5% | 90.6% |
| Subordination below AAA | 4.2%+1.8pp | 0.0% | 0.0% | 2.3% | 3.0% | 4.8% |
| OC (initial) | — | 2.50% | — | 0.85% | 2.75% | 2.00% |
| OC target | 0.90% | 2.50% | — | 0.85% | 2.75% | 2.00% |
| OC floor | 0.50% | 2.50% | — | 0.85% | 2.75% | 2.00% |
| YSOC | 6.76% | 5.31% | 5.84% | 6.08% | 3.18% | 4.61% |
| Tranches | 7 | 5 | 5 | 6 | 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 (203 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.