Ford Credit Auto Owner Trust 2025-A
10/21/2026 | Press release | Distributed by Public on 10/21/2026 08:02
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2025-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 19 | ||||
Additional information about the structure, cashflows, defined terms and parties for this transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the registration number 333-281130 and at https://www.ford.com/finance/investor-center/asset-backed-securitization.
I. ORIGINAL DEAL PARAMETERS
| Dollar Amount | # of Receivables | Weighted Avg Remaining Term at Cutoff | |||||||||||||||
| Initial Pool Balance | $ | 1,668,378,947.84 | 45,722 | 54.3 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities | |||||||||||||||||
| Class A-1 Notes | $ | 315,000,000.00 | 4.421 | % | April 15, 2026 | ||||||||||||
| Class A-2a Notes | $ | 326,000,000.00 | 4.47 | % | December 15, 2027 | ||||||||||||
| Class A-2b Notes | $ | 250,000,000.00 | 4.05850 | % | * | December 15, 2027 | |||||||||||
| Class A-3 Notes | $ | 513,600,000.00 | 4.45 | % | October 15, 2029 | ||||||||||||
| Class A-4 Notes | $ | 95,400,000.00 | 4.52 | % | February 15, 2031 | ||||||||||||
| Class B Notes | $ | 47,370,000.00 | 4.89 | % | February 15, 2031 | ||||||||||||
| Class C Notes | $ | 31,570,000.00 | 0.00 | % | September 15, 2032 | ||||||||||||
| Total | $ | 1,578,940,000.00 | |||||||||||||||
| * 30-day average SOFR + 0.41% | |||||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 3,472,320.67 | |||
| Principal: | |||||
| Principal Collections | $ | 23,597,601.41 | |||
| Prepayments in Full | $ | 12,993,672.44 | |||
| Liquidation Proceeds | $ | 479,217.08 | |||
| Recoveries | $ | 105,195.25 | |||
| Sub Total | $ | 37,175,686.18 | |||
| Collections | $ | 40,648,006.85 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 22,865.88 | |||
| Purchase Amounts Related to Interest | $ | 74.09 | |||
| Sub Total | $ | 22,939.97 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 40,670,946.82 | |||
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Ford Credit Auto Owner Trust 2025-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 19 | ||||
III. DISTRIBUTIONS
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||||||||||||||
| Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 40,670,946.82 | |||||||||||||||||||
| Servicing Fee | $ | 697,987.42 | $ | 697,987.42 | $ | 0.00 | $ | 0.00 | $ | 39,972,959.40 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 39,972,959.40 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 162,677.06 | $ | 162,677.06 | $ | 0.00 | $ | 0.00 | $ | 39,810,282.34 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 113,267.88 | $ | 113,267.88 | $ | 0.00 | $ | 0.00 | $ | 39,697,014.46 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 1,904,600.00 | $ | 1,904,600.00 | $ | 0.00 | $ | 0.00 | $ | 37,792,414.46 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 359,340.00 | $ | 359,340.00 | $ | 0.00 | $ | 0.00 | $ | 37,433,074.46 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 37,433,074.46 | |||||||||||||||||||
| Interest - Class B Notes | $ | 193,032.75 | $ | 193,032.75 | $ | 0.00 | $ | 0.00 | $ | 37,240,041.71 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 37,240,041.71 | |||||||||||||||||||
| Interest - Class C Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 37,240,041.71 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 37,240,041.71 | |||||||||||||||||||
| Regular Principal Payment | $ | 35,440,859.31 | $ | 35,440,859.31 | $ | 0.00 | $ | 0.00 | $ | 1,799,182.40 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 1,799,182.40 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 1,799,182.40 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 40,670,946.82 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 35,440,859.31 | |||||||||||||||||||||||||||
| Total | $ | 35,440,859.31 | |||||||||||||||||||||||||||
IV. NOTEHOLDER PAYMENTS
| Noteholder Principal Payments | Noteholder Interest Payments | Total Payment | |||||||||||||||||||||||||||||||||
| Per $1,000 of | Per $1,000 of | Per $1,000 of | |||||||||||||||||||||||||||||||||
| Actual | Original Balance | Actual | Original Balance | Actual | Original Balance | ||||||||||||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-2a Notes | $ | 20,058,541.90 | $ | 61.53 | $ | 162,677.06 | $ | 0.50 | $ | 20,221,218.96 | $ | 62.03 | |||||||||||||||||||||||
| Class A-2b Notes | $ | 15,382,317.41 | $ | 61.53 | $ | 113,267.88 | $ | 0.45 | $ | 15,495,585.29 | $ | 61.98 | |||||||||||||||||||||||
| Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 1,904,600.00 | $ | 3.71 | $ | 1,904,600.00 | $ | 3.71 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 0.00 | $ | 0.00 | $ | 359,340.00 | $ | 3.77 | $ | 359,340.00 | $ | 3.77 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 193,032.75 | $ | 4.08 | $ | 193,032.75 | $ | 4.08 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Total | $ | 35,440,859.31 | $ | 22.45 | $ | 2,732,917.69 | $ | 1.73 | $ | 38,173,777.00 | $ | 24.18 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2025-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 19 | ||||
V. NOTE BALANCE AND POOL INFORMATION
| Beginning of Period | End of Period | ||||||||||||||||||||||
| Balance | Note Factor | Balance | Note Factor | ||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2a Notes | $ | 43,671,694.86 | 0.1339623 | $ | 23,613,152.96 | 0.0724330 | |||||||||||||||||
| Class A-2b Notes | $ | 33,490,563.54 | 0.1339623 | $ | 18,108,246.13 | 0.0724330 | |||||||||||||||||
| Class A-3 Notes | $ | 513,600,000.00 | 1.0000000 | $ | 513,600,000.00 | 1.0000000 | |||||||||||||||||
| Class A-4 Notes | $ | 95,400,000.00 | 1.0000000 | $ | 95,400,000.00 | 1.0000000 | |||||||||||||||||
| Class B Notes | $ | 47,370,000.00 | 1.0000000 | $ | 47,370,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 31,570,000.00 | 1.0000000 | $ | 31,570,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 765,102,258.40 | 0.4845670 | $ | 729,661,399.09 | 0.4621210 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 5.003 | % | 5.011 | % | |||||||
| Weighted Average Remaining Term | 41.11 | 40.36 | |||||||||
| Number of Receivables Outstanding | 29,603 | 28,786 | |||||||||
| Pool Balance | $ | 837,584,904.33 | $ | 800,125,057.63 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 796,681,224.20 | $ | 761,240,364.89 | |||||||
| Pool Factor | 0.5020352 | 0.4795823 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 3,947,370.73 | |||
| Yield Supplement Overcollateralization Amount | $ | 38,884,692.74 | |||
| Targeted Overcollateralization Amount | $ | 70,463,658.54 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 70,463,658.54 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 3,947,370.73 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 3,947,370.73 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 3,947,370.73 | |||
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Ford Credit Auto Owner Trust 2025-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 19 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 54 | $ | 366,489.89 | ||||||||||||||
| (Recoveries) | 33 | $ | 105,195.25 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 261,294.64 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.3744 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.6794 | % | |||||||||||||||
| Second Prior Collection Period | 0.6664 | % | |||||||||||||||
| Prior Collection Period | 0.7927 | % | |||||||||||||||
| Current Collection Period | 0.3829 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.6303 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 1,369 | $ | 7,572,696.07 | ||||||||||||||
| (Cumulative Recoveries) | $ | 785,784.54 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 6,786,911.53 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.4068 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 5,531.55 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 4,957.57 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 1.05 | % | 233 | $ | 8,389,251.69 | ||||||||||||
| 61-90 Days Delinquent | 0.18 | % | 31 | $ | 1,404,353.56 | ||||||||||||
| 91-120 Days Delinquent | 0.05 | % | 10 | $ | 382,934.65 | ||||||||||||
| Over 120 Days Delinquent | 0.07 | % | 12 | $ | 542,677.13 | ||||||||||||
| Total Delinquent Receivables | 1.34 | % | 286 | $ | 10,719,217.03 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 17 | $ | 677,050.62 | ||||||||||||||
| Total Repossessed Inventory | 28 | $ | 1,087,532.84 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.1835 | % | |||||||||||||||
| Prior Collection Period | 0.2061 | % | |||||||||||||||
| Current Collection Period | 0.1841 | % | |||||||||||||||
| Three Month Average | 0.1912 | % | |||||||||||||||
| Delinquency Trigger (61+ Delinquent Receivables) | |||||||||||||||||
| Transaction Month | Trigger | ||||||||||||||||
| 1-12 | 0.80% | ||||||||||||||||
| 13-24 | 1.30% | ||||||||||||||||
| 25-36 | 2.40% | ||||||||||||||||
| 37+ | 4.55% | ||||||||||||||||
| 61+ Delinquent Receivables Balance to EOP Pool Balance | 0.2912 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2025-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 19 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 75 | $2,987,701.80 | ||||||||||||
| 2 Months Extended | 98 | $3,714,001.41 | ||||||||||||
| 3+ Months Extended | 23 | $1,086,556.29 | ||||||||||||
| Total Receivables Extended | 196 | $7,788,259.50 | ||||||||||||
IX. REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
| No Activity to report | ||
| Most Recent Form ABS-15G for repurchase demand activity | ||
| Filed by: Ford Motor Credit Company LLC | ||
| CIK#: 0000038009 | ||
| Date: February 6, 2026 | ||
X. FLOATING RATE BENCHMARK: BENCHMARK TRANSITION
| Benchmark Transition Event: | N/A | ||||
| Benchmark Replacement Date: | N/A | ||||
| Unadjusted Benchmark Replacement: | N/A | ||||
| Benchmark Replacement Adjustment: | N/A | ||||
| Benchmark Replacement Conforming Changes: | N/A | ||||
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer
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Ford Credit Auto Owner Trust 2025-A published this content on October 21, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 21, 2026 at 14:02 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]