Credit standards · Auto loan credit standards
AMERICREDIT AUTOMOBILE RECEIVABLES TRUST
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-07-24. 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.
760 loans analysed, sampled systematically (every 20th record) from 15,219 records. CIK 1910595. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 505 | 551 | 593 | 625 | 645 |
| APR | 6.2% | 9.0% | 11.5% | 14.0% | 18.0% |
| Payment-to-income | 3.7% | 6.6% | 9.4% | 12.2% | 15.8% |
| Term (months) | 61 | 73 | 74 | 76 | 85 |
| Loan-to-value | 68.8% | 89.7% | 101.9% | 114.1% | 129.5% |
| Vehicle model year | 2014 | 2017 | 2018 | 2020 | 2021 |
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 | 33 | 4.3% | 14.5% |
| subprime | 501-600 | 386 | 50.8% | 12.5% |
| near prime | 601-660 | 318 | 41.8% | 9.2% |
| prime | 661-780 | 19 | 2.5% | 11.2% |
Pool composition
- Originators: GM FINANCIAL (760)
- Used vehicles: 71.1%
- Co-obligor present: 23.6%
- Zero-APR loans: 0.0%
- States present: 48
- Top states: TX (122), OH (60), CA (52), FL (49), IL (39), NY (32), MI (31), NC (24)
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, 3 and 2, 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.