Efcar LLC

01/22/2026 | Press release | Distributed by Public on 01/22/2026 05:03

Free Writing Prospectus (Form FWP)

Free Writing Prospectus
Filed Pursuant to Rule 433
Dated January 21, 2026
Registration Statement Nos. 333-268757 and 333-268757-19

**Full Pricing Details** $1.098+bn ($1,043.840mm Offered) Exeter (EART 2026-1) Automobile Receivables Trust

Joint Leads: Citi (Str.), Deutsche Bank, and Wells Fargo
Co-Managers: BMO, Citizens, and Mizuho

-- Anticipated Capital Structure --
CL
SIZE($MM)
OFFRD($MM)
WAL*
S/M**
P.WIN*
E MTY.*
L MTY.
BNCH Spread
Yield(%)
Coupon(%)
Price
A1
94.200
89.490
0.12
A-1+/P-1
1-3
04/26
01/15/27
I-CRV +21
3.895
3.895
100.00000
A2
241.000
228.950
0.55
AAA/Aaa
3-12
01/27
09/15/28
I-CRV +49
4.118
4.08
99.99845
A3
226.420
215.099
1.46
AAA/Aaa
12-24
01/28
03/15/30
I-CRV +51
4.067
4.03
99.99595
B
118.510
112.584
2.22
AA/Aaa
24-30
07/28
10/15/30
I-CRV +65
4.258
4.22
99.99865
C
123.000
116.850
2.80
A/Aa3
30-38
03/29
05/17/32
I-CRV +80
4.445
4.40
99.98861
D
162.310
154.194
3.61
BBB/Baa3
38-50
03/30
05/17/32
I-CRV +135
5.061
5.00
99.97235
E
103.340
98.173
4.48
BB-/NR
50-56
09/30
08/15/33
I-CRV +300
6.785
6.69
99.99639
N^
30.000
28.500
0.93
B/NR
9-13
02/27
08/15/33
I-CRV +300
6.542
6.45
99.99634
*WAL Pricing Speed: 1.50% ABS to 5% call
**Expected Ratings
^Based on Case 2 assumptions outlined in the OM

- TRANSACTION SUMMARY -
Size : $1.098+bn ($1.043+bn Offered) *NO GROW*
Exp Ratings : S&P / Moody's
Exp Settle : January 28th, 2026
First Pay : February 17th, 2026
ERISA : A-D = YES; E, N = NO
Registration : A-D = Public; E, N = 144A/Reg S
Min Denoms : A-D = $1k x $1k; E = $1.590mm x $1k; N = $1.579mm x $1k
BBG Ticker : EART 2026-1
B&D : Citi

-Available Information-
* Preliminary Prospectus, Ratings FWP, Offering Memorandum Class E & N, and CDI File (attached)
* Intex Deal Name: XEXAR2601 | Password: 4XX4
* Deal Roadshow Link: https://dealroadshow.com/e/EART20261 | Passcode: EART20261


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EFCAR, LLC has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents EFCAR, LLC has filed with the SEC for more complete information about EFCAR, LLC, Exeter Automobile Receivables Trust 2026-1 and this offering. You may get these documents for free by visiting EDGAR on the SEC web site at www.sec.gov. Alternatively, EFCAR, LLC, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-831-9146.
Efcar LLC published this content on January 22, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on January 22, 2026 at 11:03 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]