Credit standards · Auto loan credit standards
ALLY AUTO RECEIVABLES TRUST 2025- 1
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-08-20. Regulation AB II requires this loan-level data for registered public auto-loan securitizations, so every figure below is a statement about a named, dated SEC filing — not about a company.
2,905 loans analysed, sampled systematically (every 20th record) from 58,112 records. CIK 2087070. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 659 | 680 | 712 | 769 | 843 |
| APR | 5.2% | 7.2% | 9.0% | 11.3% | 16.3% |
| Payment-to-income | 0.0% | 3.9% | 6.3% | 9.5% | 15.9% |
| Term (months) | 50 | 62 | 73 | 76 | 85 |
| Loan-to-value | 52.3% | 81.6% | 96.9% | 108.5% | 118.1% |
| Vehicle model year | 2015 | 2018 | 2020 | 2023 | 2025 |
LTV is not comparable across shelves for this filing: the vehicle value source is filer-specific (codes 98, 1, 3), and the code meanings are not asserted here.
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| deep subprime | 300-500 | 28 | 1.0% | 6.9% |
| subprime | 501-600 | 53 | 1.8% | 8.0% |
| near prime | 601-660 | 87 | 3.0% | 9.7% |
| prime | 661-780 | 2,033 | 70.0% | 9.5% |
| super prime | 781-900 | 572 | 19.7% | 7.7% |
Pool composition
- Originators: Ally Bank (2,905)
- Used vehicles: 69.5%
- Co-obligor present: 31.7%
- Zero-APR loans: 0.4%
- States present: 50
- Top states: TX (335), FL (265), CA (200), PA (152), NJ (127), NY (126), NC (125), OH (110)
What this is not
Not underwriting guidelines. Not a comparison of lenders. Not a description of any lender's programs or current practices. Each row describes one securitized pool, as reported in one filing, on one date - a sponsor-selected subset of what an originator funded. Issuers securitizing privately under Rule 144A file no asset-level data and are absent by construction.
Income and employment verification appear in the file only as raw Schedule AL codes (2, 1, 3 and 2, 1, 3). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published none.
underwritingIndicator is recorded upstream but omitted here: filers apply it inconsistently and it cannot be read as an exception rate. Verification codes are raw and are not comparable across filers. LTV carries a per-shelf comparability flag.
Method: how these figures are computed. Data generated 2026-08-25 from the filing above.