ABS Data›Auto Loan

Carvana N CRVNAN

60+ day delinquency 17.68% of loans, Sep 2026
Annualized net loss 12.15% of average pool balance, Sep 2026
First-time repossessions 0.95% of loans, Sep 2026
Recovered within 12 months of default 20.1% (±0.6 pts) of balance, defaults Jan 2025 – Dec 2025
Deals 0 active · 4 wound down

Recovery cash is scaled to the servicer report's net proceeds (its loan-level data records it before some costs). Defaults from January 2022; earlier loan-level recovery data is incomplete. 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
Deal	Closed	Size	Credit ScoreWA	APRWA	Subbelow AAA	Reserve	OCinitial	Hard CEtotal	60+ DQ% of loans	CNL% of orig. pool	Pool Factor
Show 4 wound-down ▾ · right-hand columns: each deal's final servicer report
2021-N4	Dec 15, 2021	$460M	578	18.82%	48.60%	1.25%	0.00%	49.85%	16.23%	20.92%	0.094Sep 2026
2021-N3	Sep 9, 2021	$420M	579	18.60%	49.65%	1.25%	0.00%	50.90%	17.22%	20.07%	0.072Sep 2026
2021-N2	Jun 3, 2021	$400M	569	19.19%	53.65%	1.25%	0.00%	54.90%	20.07%	16.20%	0.056Sep 2026
2021-N1	Mar 25, 2021	$400M	571	19.27%	53.65%	1.25%	0.00%	54.90%	18.14%	13.35%	0.048Jul 2026

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.