Dates Covered
|
|
|
|
|
|
|
|
|
|
Collections Period
|
|
|
07/01/25 - 07/31/25
|
|
|
|
|
|
|
|
|
|
Interest Accrual Period
|
|
|
07/15/25 - 08/14/25
|
|
|
|
|
|
|
|
|
|
30/360 Days
|
|
|
30
|
|
|
|
|
|
|
|
|
|
Actual/360 Days
|
|
|
31
|
|
|
|
|
|
|
|
|
|
Distribution Date
|
|
|
08/15/25
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Collateral Pool Balance Data
|
|
|
$ Amount
|
|
|
|
# of Accounts
|
|
|
|
|
|
Pool Balance at 06/30/25
|
|
|
777,857,533.74
|
|
|
|
34,465
|
|
|
|
|
|
Yield Supplement Overcollateralization Amount 06/30/25
|
|
|
55,806,466.82
|
|
|
|
0
|
|
|
|
|
|
Receivables Balance 06/30/25
|
|
|
833,664,000.56
|
|
|
|
34,465
|
|
|
|
|
|
Principal Payments
|
|
|
34,312,929.35
|
|
|
|
896
|
|
|
|
|
|
Defaulted Receivables
|
|
|
1,457,313.30
|
|
|
|
45
|
|
|
|
|
|
Repurchased Accounts
|
|
|
0.00
|
|
|
|
0
|
|
|
|
|
|
Yield Supplement Overcollateralization Amount at 07/31/25
|
|
|
52,702,636.78
|
|
|
|
0
|
|
|
|
|
|
Pool Balance at 07/31/25
|
|
|
745,191,121.13
|
|
|
|
33,524
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pool Statistics
|
|
|
$ Amount
|
|
|
|
# of Accounts
|
|
|
|
|
|
Pool Factor
|
|
|
60.79
|
%
|
|
|
|
|
|
|
|
|
Prepayment ABS Speed
|
|
|
1.83
|
%
|
|
|
|
|
|
|
|
|
Aggregate Starting Principal Balance
|
|
|
1,312,595,946.50
|
|
|
|
46,537
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Delinquent Receivables:
|
|
|
|
|
|
|
|
|
|
|
|
|
Past Due 31-60 days
|
|
|
10,471,664.45
|
|
|
|
348
|
|
|
|
|
|
Past Due 61-90 days
|
|
|
3,003,796.69
|
|
|
|
103
|
|
|
|
|
|
Past Due 91-120 days
|
|
|
572,798.88
|
|
|
|
20
|
|
|
|
|
|
Past Due 121+ days
|
|
|
0.00
|
|
|
|
0
|
|
|
|
|
|
Total
|
|
|
14,048,260.02
|
|
|
|
471
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total 31+ Delinquent as % Aggregate Ending Principal Balance
|
|
|
1.76
|
%
|
|
|
|
|
|
|
|
|
Total 61+ Delinquent as % Aggregate Ending Principal Balance
|
|
|
0.45
|
%
|
|
|
|
|
|
|
|
|
Delinquency Trigger Occurred
|
|
|
NO
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recoveries
|
|
|
876,466.87
|
|
|
|
|
|
|
|
|
|
Aggregate Net Losses/(Gains) - July 2025
|
|
|
580,846.43
|
|
|
|
|
|
|
|
|
|
Ratio of Net Loss/(Gain) to the Receivables Balance as of beginning of Collection Period (Annualized):
|
|
|
|
|
|
|
|
|
|
|
|
|
Current Net Losses/(Gains) Ratio
|
|
|
0.84
|
%
|
|
|
|
|
|
|
|
|
Prior Net Losses/(Gains) Ratio
|
|
|
1.18
|
%
|
|
|
|
|
|
|
|
|
Second Prior Net Losses/(Gains) Ratio
|
|
|
0.69
|
%
|
|
|
|
|
|
|
|
|
Third Prior Net Losses/(Gains) Ratio
|
|
|
0.04
|
%
|
|
|
|
|
|
|
|
|
Four Month Average
|
|
|
0.69
|
%
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Cumulative Net Loss as a % of Aggregate Starting Principal Balance
|
|
|
0.48
|
%
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Overcollateralization Target Amount
|
|
|
6,706,720.09
|
|
|
|
|
|
|
|
|
|
Actual Overcollateralization
|
|
|
6,706,720.09
|
|
|
|
|
|
|
|
|
|
Weighted Average Contract Rate
|
|
|
6.73
|
%
|
|
|
|
|
|
|
|
|
Weighted Average Contract Rate, Yield Adjusted
|
|
|
10.27
|
%
|
|
|
|
|
|
|
|
|
Weighted Average Remaining Term
|
|
|
52.02
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Flow of Funds
|
|
|
$ Amount
|
|
|
|
|
|
|
|
|
|
Collections
|
|
|
39,795,199.71
|
|
|
|
|
|
|
|
|
|
Investment Earnings on Cash Accounts
|
|
|
24,869.32
|
|
|
|
|
|
|
|
|
|
Servicing Fee
|
|
|
(694,720.00
|
)
|
|
|
|
|
|
|
|
|
Transfer to Collection Account
|
|
|
-
|
|
|
|
|
|
|
|
|
|
Available Funds
|
|
|
39,125,349.03
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Distributions of Available Funds
|
|
|
|
|
|
|
|
|
|
|
|
|
(1) Asset Representation Reviewer Amounts (up to $150,000 per year)
|
|
|
-
|
|
|
|
|
|
|
|
|
|
(2) Class A Interest
|
|
|
2,741,332.13
|
|
|
|
|
|
|
|
|
|
(3) Noteholders' First Priority Principal Distributable Amount
|
|
|
-
|
|
|
|
|
|
|
|
|
|
(4) Class B Interest
|
|
|
141,648.00
|
|
|
|
|
|
|
|
|
|
(5) Noteholders' Second Priority Principal Distributable Amount
|
|
|
7,505,694.81
|
|
|
|
|
|
|
|
|
|
(6) Class C Interest
|
|
|
73,094.00
|
|
|
|
|
|
|
|
|
|
(7) Noteholders' Third Priority Principal Distributable Amount
|
|
|
18,160,000.00
|
|
|
|
|
|
|
|
|
|
(8) Required Reserve Account
|
|
|
-
|
|
|
|
|
|
|
|
|
|
(9) Noteholders' Principal Distributable Amount
|
|
|
6,706,720.09
|
|
|
|
|
|
|
|
|
|
(10) Asset Representation Reviewer Amounts (in excess of 1)
|
|
|
-
|
|
|
|
|
|
|
|
|
|
(11) Distribution to Certificateholders
|
|
|
3,796,860.00
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Distributions of Available Funds
|
|
|
39,125,349.03
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Servicing Fee
|
|
|
694,720.00
|
|
|
|
|
|
|
|
|
|
Unpaid Servicing Fee
|
|
|
-
|
|
|
|
|
|
|
|
|
|
Change in amount of the unpaid servicing fee from the prior period
|
|
|
-
|
|
|
|
|
|
|
|
|
|
Class C
|
|
|
|
|
|
|
|
|
|
|
|
|
Coupon
|
|
|
4.83000
|
%
|
|
|
|
|
|
|
|
|
Interest Paid
|
|
|
73,094.00
|
|
|
|
|
|
|
|
|
|
Principal Paid
|
|
|
0.00
|
|
|
|
|
|
|
|
|
|
Total Paid to C Holders
|
|
|
73,094.00
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Distribution per $1,000 of Notes
|
|
|
Total
|
|
|
|
|
|
|
|
|
|
Total Interest Distribution Amount
|
|
|
2.4419265
|
|
|
|
|
|
|
|
|
|
Total Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total Principal Distribution Amount
|
|
|
26.7419065
|
|
|
|
|
|
|
|
|
|
Total Distribution Amount
|
|
|
29.1838330
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A-1 Interest Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-1 Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-1 Principal Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total A-1 Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A-2a Interest Distribution Amount
|
|
|
2.1524260
|
|
|
|
|
|
|
|
|
|
A-2a Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-2a Principal Distribution Amount
|
|
|
69.4687015
|
|
|
|
|
|
|
|
|
|
Total A-2a Distribution Amount
|
|
|
71.6211275
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A-2b Interest Distribution Amount
|
|
|
2.2379559
|
|
|
|
|
|
|
|
|
|
A-2b Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-2b Principal Distribution Amount
|
|
|
69.4687015
|
|
|
|
|
|
|
|
|
|
Total A-2b Distribution Amount
|
|
|
71.7066574
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A-3 Interest Distribution Amount
|
|
|
3.6916667
|
|
|
|
|
|
|
|
|
|
A-3 Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-3 Principal Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total A-3 Distribution Amount
|
|
|
3.6916667
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
A-4 Interest Distribution Amount
|
|
|
3.7000000
|
|
|
|
|
|
|
|
|
|
A-4 Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
A-4 Principal Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total A-4 Distribution Amount
|
|
|
3.7000000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
B Interest Distribution Amount
|
|
|
3.9000000
|
|
|
|
|
|
|
|
|
|
B Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
B Principal Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total B Distribution Amount
|
|
|
3.9000000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
C Interest Distribution Amount
|
|
|
4.0250000
|
|
|
|
|
|
|
|
|
|
C Interest Carryover Shortfall
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
C Principal Distribution Amount
|
|
|
0.0000000
|
|
|
|
|
|
|
|
|
|
Total C Distribution Amount
|
|
|
4.0250000
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Noteholders' First Priority Principal Distributable Amount
|
|
|
0.00
|
|
|
|
|
|
|
|
|
|
Noteholders' Second Priority Principal Distributable Amount
|
|
|
231.86
|
|
|
|
|
|
|
|
|
|
Noteholders' Third Priority Principal Distributable Amount
|
|
|
560.97
|
|
|
|
|
|
|
|
|
|
Noteholders' Principal Distributable Amount
|
|
|
207.17
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Account Balances
|
|
|
$ Amount
|
|
|
|
|
|
|
|
|
|
Reserve Account
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance as of 07/15/25
|
|
|
3,026,385.22
|
|
|
|
|
|
|
|
|
|
Investment Earnings
|
|
|
10,929.72
|
|
|
|
|
|
|
|
|
|
Investment Earnings Paid
|
|
|
(10,929.72
|
)
|
|
|
|
|
|
|
|
|
Deposit/(Withdrawal)
|
|
|
-
|
|
|
|
|
|
|
|
|
|
Balance as of 08/15/25
|
|
|
3,026,385.22
|
|
|
|
|
|
|
|
|
|
Change
|
|
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Required Reserve Amount
|
|
|
3,026,385.22
|
|
|
|
|
|
|
|
|
|