Ally Auto Receivables Trust 2022-3

03/24/2026 | Press release | Distributed by Public on 03/24/2026 11:53

Asset-Backed Issuer Distribution Report (Form 10-D)


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
Deal Information Table of Contents
Asset Type: Consumer Retail 1. Class Distribution Summary
2. Note Factor Summary
Closing Date: 12/14/2022 3. Interest Summary
4. Collections and Distributions
Bloomberg Ticker: ALLYA 2022-3 5. Cash Reserve
6. Collateral Summary
Collection Period: 7. Net Charge-Offs, Delinquencies, and Bankruptcies
Begin 2/1/2026 8. Performance Tests
End 2/28/2026 9. Supplemental Disclosures
Determination Date: 3/10/2026
Distribution Date: 3/16/2026
ABS Investor Relations:
Servicer: Ally Bank
Telephone: (866) 710-4623
E-Mail: [email protected]

Additional information about the transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the CIK number 0001954336.

Page 1 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
1. Class Distribution Summary
Class Distribution
Class CUSIP/
CUSIP-RegS 		Initial
Note Principal Balance 		Beginning
Note Principal Balance 		Principal Interest Total Ending
Note Principal Balance
A-1 02008DAA7 216,000,000.00 0.00 0.00 0.00 0.00 0.00
A-2 02008DAB5 323,000,000.00 0.00 0.00 0.00 0.00 0.00
A-3 02008DAC3 323,000,000.00 0.00 0.00 0.00 0.00 0.00
A-4 02008DAD1 71,120,000.00 70,354,569.36 10,071,184.08 297,248.06 10,368,432.14 60,283,385.28
B 02008DAE9 20,760,000.00 20,760,000.00 0.00 101,724.00 101,724.00 20,760,000.00
C 02008DAF6 17,300,000.00 17,300,000.00 0.00 91,834.17 91,834.17 17,300,000.00
D 02008DAG4 12,850,000.00 12,850,000.00 0.00 80,740.83 80,740.83 12,850,000.00
Total Notes 984,030,000.00 121,264,569.36 10,071,184.08 571,547.06 10,642,731.14 111,193,385.28
Certificates 114,916.07
Total Class Distribution 10,757,647.21

Page 2 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
2. Note Factor Summary
(Amount per $1,000 of Original Principal)
Distribution
Class Beginning Principal Interest Total Ending
A-1 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-2 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-3 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-4 989.2374769 141.6083251 4.1795284 145.7878535 847.6291519
B 1,000.0000000 0.0000000 4.9000000 4.9000000 1000.0000000
C 1,000.0000000 0.0000000 5.3083335 5.3083335 1000.0000000
D 1,000.0000000 0.0000000 6.2833331 6.2833331 1000.0000000
Total Notes 123.2325939 112.9979627

Page 3 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
3. Interest Summary

A. Target Interest Calculation
Fixed Rate Variable Rate
Class Beginning Note Principal Balance Accrual Methodology Interest Accrual Days Total Applicable Index Margin Total Target Interest Calculation
A-1 0.00 Actual/360 27 4.557% N/A N/A N/A 0.00
A-2 0.00 30/360 30 5.290% N/A N/A N/A 0.00
A-3 0.00 30/360 30 5.070% N/A N/A N/A 0.00
A-4 70,354,569.36 30/360 30 5.070% N/A N/A N/A 297,248.06
B 20,760,000.00 30/360 30 5.880% N/A N/A N/A 101,724.00
C 17,300,000.00 30/360 30 6.370% N/A N/A N/A 91,834.17
D 12,850,000.00 30/360 30 7.540% N/A N/A N/A 80,740.83
Total 121,264,569.36 571,547.06
B. Interest Distribution
Class Beginning
Unpaid Interest Carryover Shortfall 		Target
Interest Calculation 		Interest Shortfall Allocated/ (Repaid) Interest Distribution Remaining
Unpaid Interest Carryover Shortfall
(1) (2) (3) (4) = (2) - (3) (5) = (1) + (3)
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 297,248.06 0.00 297,248.06 0.00
B 0.00 101,724.00 0.00 101,724.00 0.00
C 0.00 91,834.17 0.00 91,834.17 0.00
D 0.00 80,740.83 0.00 80,740.83 0.00
Total 0.00 571,547.06 0.00 571,547.06 0.00
Page 4 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
4. Collections and Distributions
Collections
Receipts During the Period - Principal 9,811,552.43
Receipts During the Period - Interest 773,473.17
Administrative Purchase Payments 213,816.30
Warranty Payments 0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses) 74,039.88
Other Fees or Expenses Paid 0.00
Total Collections 10,872,881.78
Beginning Reserve Account Balance 2,471,181.60
Total Available Amount 13,344,063.38
Distributions
Basic Servicing Fee 113,734.57
Amounts paid in connection with an Asset Representations Review 0.00
Aggregate Class A Interest Distributable Amount 297,248.06
First Priority Principal Distributable Amount 0.00
Aggregate Class B Interest Distributable Amount 101,724.00
Second Priority Principal Distributable Amount 0.00
Aggregate Class C Interest Distributable Amount 91,834.17
Third Priority Principal Distributable Amount 0.00
Aggregate Class D Interest Distributable Amount 80,740.83
Fourth Priority Principal Distributable Amount 0.00
Reserve Account Deposit 2,471,181.60
Noteholders' Regular Principal Distributable Amount 10,071,184.08
Indenture Trustee expenses 0.00
Unpaid Fees due to Trustees, Administrator and Asset Representations Reviewer 1,500.00
Excess Total Available Amount to the Certificateholders 114,916.07
Total Distributions 13,344,063.38

Page 5 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
5. Cash Reserve
Reductions
Initial Balance Beginning Balance Additions Draws Releases Ending Balance Specified Reserve Account Balance
2,471,181.60 2,471,181.60 0.00 0.00 0.00 2,471,181.60 2,471,181.60

6. Collateral Summary
Initial Beginning Ending
Balances Number of Receivables 61,982 18,253 17,377
Aggregate Receivables Principal Balance 988,472,639.22 134,114,713.67 124,043,529.59
Aggregate Amount Financed 1,028,968,867.29 136,481,485.79 126,180,831.63
Pool Factor 13.5678731 12.5490099
Weighted Averages Coupon 6.77% 7.05% 7.06%
Original Maturity 70.07 72.51 72.63
Remaining Maturity 50.40 23.11 22.48

Prepayment Percentage Monthly Period
40
1.02%
Page 6 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
7. Net Charge-Offs, Delinquencies, and Bankruptcies
Net Charge-Offs Cumulative Net Charge-Offs
Period Average Aggregate Amount Financed Number of Units Charged-Off Net Charge-Offs (Recoveries) Average Net Charge-Offs (Recoveries) Loss Rate Aggregate Amount Financed Cumulative Net Charge-Offs Cumulative Loss Rate
Current 131,331,158.71 20 200,596.67 10,029.83 1.8329% 1,028,968,867.29 8,860,807.90 0.8611%
Preceding 141,863,798.79 27 113,870.66 4,217.43 0.9632%
Next Preceding 152,846,043.29 41 259,025.09 6,317.69 2.0336%
Third Preceding 164,078,704.13 23 82,346.56 3,580.29 0.6022%
Four Month Average 1.3580%

Delinquencies Delinquency Stratification
Period Total Accounts Accounts over 60 Percent Delinquent Days Total Accounts Total Balance Percent Delinquent
Current 17,377 158 0.9092% 31 - 60 303 3,169,012.39 2.5115%
Preceding 18,253 188 1.0300% 61 - 90 119 1,213,192.22 0.9615%
Next Preceding 19,129 177 0.9253% 91 - 120 35 258,907.04 0.2052%
Three Month Average 0.9548% > 120 4 1,507.68 0.0012%
Bankruptcies
Total Accounts Total Balance
Prior Period 212 1,833,118.68 1
Additions 4 44,733.94
Removals2 11 34,683.43
Ending 205 1,843,169.19

1 Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.
2 Include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies.
Page 7 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
8. Performance Tests
For the Collection Period
Event of Default All Tests Passed
Servicer Default All Tests Passed
Overcollateralization:
Initial 4,442,639.22
Current 12,850,144.31 Overcollateralization Target Reached? YES
Target 12,850,144.31
Asset Representations Review Delinquency Trigger:
Monthly Period Trigger Monthly 61+
1-12 1.70% Period Trigger Delinquencies
13-24 2.60% 40 4.10% 1.17% Pass
25-36 3.10%
37+ 4.10%
9. Supplemental Disclosures
For the Collection Period
Supplemental Servicing Fees 37,687.30
Other Fees or Expenses Accrued 0.00
Liquidation Expenses 11,000.00
Have there been any material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the period or that, cumulatively, have become material over time? No
Have there been any material changes in determining or defining delinquencies, charge-offs or uncollectible amounts? No
Have there been any receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred? No
Page 8 of 8

Ally Auto Receivables Trust 2022-3 published this content on March 24, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on March 24, 2026 at 17:53 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]