ABS Data›Auto Loan

CarMax CAOT

60+ day delinquency 1.12% of loans, Sep 2026
Annualized net loss 1.06% of average pool balance, Sep 2026
First-time repossessions 0.12% of loans, Sep 2026
Recovered within 12 months of default 36.4% (±0.6 pts) of balance, defaults Jan 2025 – Dec 2025
Deals 16 active · 47 wound down · data through Sep 2026

CarMax reinstates some charged-off loans. Its servicer report counts every charge-off and subtracts a loan's original charge-off when it is reinstated; here a charge-off the borrower cured is not a default, and a loan that defaults again enters at the later charge-off. Loans without a consumer credit score are excluded.

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Deals on this shelf ·

Deal		At pricing			Hard CE at pricing · % of pool				Latest reported · Oct 2026
Deal	Closed	Size	Credit ScoreWA	APRWA	Subbelow AAA	Reserve	OCinitial	Hard CEtotal	60+ DQ% of loans	CNL% of orig. pool	Pool Factor
2026-4PSR	Oct 21, 2026	$1.35B	766	9.01%	5.00%	0.25%	0.25%	5.50%	0.00%	—	—
2026-3PSR	Jul 22, 2026	$1.35B	765	8.41%	4.95%	0.25%	0.25%	5.45%	0.34%	0.01%	0.887
2026-2PSR	Apr 29, 2026	$1.18B	764	8.65%	4.65%	0.25%	0.50%	5.40%	0.48%	0.13%	0.824
2026-1PSR	Jan 28, 2026	$1.30B	760	8.73%	4.35%	0.25%	0.50%	5.10%	0.45%	0.25%	0.698
2025-4PSR	Oct 22, 2025	$1.30B	759	9.40%	4.00%	0.25%	0.50%	4.75%	0.54%	0.43%	0.664
2025-3PSR	Jul 23, 2025	$1.45B	758	9.20%	4.10%	0.25%	0.50%	4.85%	0.71%	0.52%	0.555
2025-2PSR	May 2, 2025	$1.40B	758	9.30%	4.55%	0.25%	0.75%	5.55%	0.78%	0.66%	0.507
2025-1PSR	Jan 22, 2025	$1.50B	759	9.40%	4.10%	0.25%	1.00%	5.35%	0.43%	0.54%	0.450
2024-4PSR	Nov 5, 2024	$1.40B	758	9.66%	3.50%	0.25%	1.25%	5.00%	0.65%	0.89%	0.402
2024-3PSR	Jul 30, 2024	$1.40B	758	9.53%	3.75%	0.25%	1.00%	5.00%	0.79%	1.11%	0.352
2024-2PSR	Apr 24, 2024	$1.60B	721	11.02%	8.20%	0.25%	0.75%	9.20%	2.05%	2.76%	0.306
2024-1PSR	Jan 24, 2024	$1.55B	719	10.90%	8.00%	0.25%	1.00%	9.25%	2.24%	2.83%	0.266
2023-4	Oct 18, 2023	$1.50B	718	10.71%	8.15%	0.25%	1.25%	9.65%	2.51%	3.33%	0.231
2023-3	Jul 26, 2023	$1.50B	717	10.38%	8.00%	0.25%	1.50%	9.75%	2.45%	3.50%	0.200
2023-2	Apr 26, 2023	$1.50B	716	9.57%	7.40%	0.25%	2.00%	9.65%	2.32%	3.31%	0.164
2023-1	Jan 25, 2023	$1.46B	714	9.09%	8.20%	0.25%	2.40%	10.85%	2.66%	3.58%	0.140
2022-4	Oct 31, 2022	$1.40B	714	8.84%	8.16%	0.40%	2.40%	10.96%	2.61%	3.44%	0.122
Show 47 wound-down ▾ · right-hand columns: each deal's final servicer report
2022-3	Jul 20, 2022	$1.40B	710	8.28%	7.40%	0.40%	1.50%	9.30%	2.88%	3.33%	0.106Jul 2026
2022-2	Apr 28, 2022	$1.40B	711	7.80%	5.06%	0.50%	2.35%	7.91%	2.65%	2.80%	0.104Apr 2026
2022-1	Jan 26, 2022	$1.60B	707	8.14%	5.30%	0.25%	0.25%	5.80%	2.65%	2.63%	0.100Feb 2026
2021-4	Sep 22, 2021	$1.40B	704	8.32%	5.30%	0.25%	0.25%	5.80%	2.86%	2.51%	0.108Oct 2025
2021-3	Jul 28, 2021	$1.75B	706	8.24%	5.55%	0.25%	0.25%	6.05%	3.28%	2.17%	0.101Aug 2025
2021-2	Apr 21, 2021	$1.55B	708	7.82%	6.70%	0.25%	0.25%	7.20%	1.45%	1.38%	0.107Mar 2025
2021-1	Jan 27, 2021	$1.50B	711	8.25%	6.25%	0.50%	0.35%	7.10%	1.87%	1.47%	0.107Jan 2025
2020-4	Oct 21, 2020	$1.50B	713	7.87%	7.35%	0.50%	0.40%	8.25%	1.31%	1.07%	0.103Oct 2024
2020-3	Jul 22, 2020	$1.35B	714	7.77%	8.40%	1.00%	0.60%	10.00%	1.64%	1.14%	0.104May 2024
2020-2	Apr 29, 2020	$1.15B	715	7.74%	9.40%	1.00%	0.60%	11.00%	1.40%	0.95%	0.102Mar 2024
2020-1	Jan 22, 2020	$1.55B	710	8.04%	6.35%	0.25%	0.25%	6.85%	1.77%	1.20%	0.101Jan 2024
2019-4	Oct 23, 2019	$1.50B	705	8.63%	5.85%	0.25%	0.25%	6.35%	1.79%	1.32%	0.102Oct 2023
2019-3	Jul 30, 2019	$1.50B	705	8.59%	6.45%	0.25%	0.25%	6.95%	1.67%	1.40%	0.105Jul 2023
2019-2	Apr 17, 2019	$1.36B	707	8.51%	6.85%	0.25%	0.25%	7.35%	1.42%	1.47%	0.105Mar 2023
2019-1	Jan 23, 2019	$1.50B	706	8.43%	7.25%	0.25%	0.40%	7.90%	1.80%	1.67%	0.100Jan 2023
2018-4	Oct 24, 2018	$1.50B	706	8.27%	7.10%	0.25%	0.50%	7.85%	1.83%	1.64%	0.101Oct 2022
2018-3	Jul 25, 2018	$1.43B	706	7.99%	7.30%	0.25%	0.70%	8.25%	1.75%	1.73%	0.101Jul 2022
2018-2	Apr 25, 2018	$1.32B	707	7.69%	7.73%	0.25%	0.85%	8.83%	1.32%	1.69%	0.106Mar 2022
2018-1	Jan 24, 2018	$1.35B	707	7.54%	7.25%	0.25%	0.50%	8.00%	1.52%	1.63%	0.101Jan 2022
2017-4	Oct 25, 2017	$1.28B	709	7.46%	6.90%	0.25%	0.00%	7.15%	1.30%	1.65%	0.102Oct 2021
2017-3	Jul 26, 2017	$1.38B	704	7.58%	7.35%	0.25%	0.00%	7.60%	1.10%	1.85%	0.102Jul 2021
2017-2	Apr 19, 2017	$1.00B	708	7.21%	6.60%	0.25%	0.00%	6.85%	0.83%	1.94%	0.105Apr 2021
2017-1	Jan 31, 2017	$1.31B	706	7.30%	6.20%	0.25%	0.00%	6.45%	1.31%	2.14%	0.106Jan 2021
2016-4	Oct 26, 2016	—	705	7.34%	—	—	—	—	—	2.23%	0.101Dec 2020
2016-3	Jul 20, 2016	—	703	7.39%	—	—	—	—	—	2.56%	0.105Sep 2020
2016-2	Apr 20, 2016	—	704	7.31%	—	—	—	—	—	2.32%	0.106May 2020
2016-1	Feb 3, 2016	—	703	7.25%	—	—	—	—	—	2.36%	0.109Feb 2020
2015-4	Oct 28, 2015	—	702	7.23%	—	—	—	—	—	2.31%	0.106Nov 2019
2015-3	Aug 12, 2015	—	700	7.19%	—	—	—	—	—	2.34%	0.104Oct 2019
2015-2	May 13, 2015	—	698	7.15%	—	—	—	—	—	2.19%	0.103Jun 2019
2015-1	Feb 26, 2015	—	703	6.93%	—	—	—	—	—	2.07%	0.103Mar 2019
2014-4	Nov 13, 2014	—	704	6.87%	—	—	—	—	—	2.07%	0.102Dec 2018
2014-3	Aug 13, 2014	—	702	7.03%	—	—	—	—	—	1.94%	0.109Aug 2018
2014-2	May 14, 2014	—	699	7.16%	—	—	—	—	—	1.92%	0.107May 2018
2014-1	Feb 12, 2014	—	701	7.20%	—	—	—	—	—	1.82%	0.106Feb 2018
2013-4	Nov 7, 2013	—	701	7.04%	—	—	—	—	—	1.76%	0.102Dec 2017
2013-3	Aug 8, 2013	—	700	7.10%	—	—	—	—	—	1.83%	0.102Sep 2017
2013-2	May 16, 2013	—	699	7.12%	—	—	—	—	—	1.94%	0.105Jun 2017
2013-1	Feb 14, 2013	—	694	7.68%	—	—	—	—	—	2.07%	0.106Mar 2017
2012-3	Oct 11, 2012	—	691	8.60%	—	—	—	—	—	2.02%	0.103Oct 2016
2012-2	Jun 13, 2012	—	689	9.10%	—	—	—	—	—	2.10%	0.103Jun 2016
2012-1	Feb 16, 2012	—	696	8.75%	—	—	—	—	—	1.90%	0.102Jan 2016
2011-3	Nov 10, 2011	—	696	8.82%	—	—	—	—	—	1.73%	0.103Oct 2015
2011-2	Sep 22, 2011	—	698	8.91%	—	—	—	—	—	1.62%	0.102Aug 2015
2011-1	Mar 17, 2011	—	706	8.58%	—	—	—	—	—	1.42%	0.107Feb 2015
2010-3	Nov 10, 2010	—	702	8.99%	—	—	—	—	—	1.31%	0.101Oct 2014
2010-2	Jul 8, 2010	—	700	9.45%	—	—	—	—	—	1.27%	0.108Jun 2014

At pricing — terms from the deal's prospectus and pricing supplement; they do not update.

Credit Score — weighted-average obligor credit score of the pool at cut-off, as stated in the prospectus.

APR — the pool's weighted-average APR at cut-off, as its prospectus states it (the summary and the pool table agree); for deals before 2017, as the issuer's later prospectuses print it.

Hard CE — initial hard credit enhancement for the senior notes, the total the rating agencies quote: Sub (all rated classes below the AAA notes; an unrated residual Class N is not subordination) + Reserve (the reserve fund at closing) + OC (overcollateralization at closing, net of any yield supplement), each as a % of the initial pool balance less any yield supplement — the adjusted pool the issuers and rating agencies measure enhancement against. Excess spread is not included. The total is blank where a part is not known.

Latest reported — from the most recent monthly servicer report (SEC Form 10-D). 60+ DQ is the share of loans 60+ days past due in the ABS-EE loan tape at its latest period; CNL is cumulative net loss as a % of the original pool balance; Pool Factor is the current pool balance ÷ original.

PSR marks a deal with a presale report (2024 deals onward); it opens from the deal name.

Credit Score for deals before 2017 is the pool's weighted average at cut-off, as the issuer's later prospectuses print it.

Hard CE for deals priced 2017–2020 is read from each deal's final prospectus, every part checked against its first servicer report or a second figure in the prospectus. Those prospectuses do not print ratings, so the AAA notes are the Class A notes — the same classes as on every deal since 2021.