Credit standards · Auto loan credit standards
CAPITAL ONE AUTO RECEIVABLES LLC
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-07-15. 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.
2,929 loans analysed, sampled systematically (every 20th record) from 58,582 records. CIK 1133438. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 711 | 745 | 782 | 812 | 839 |
| APR | 2.0% | 2.9% | 4.0% | 4.9% | 6.3% |
| Payment-to-income | 1.8% | 3.7% | 5.8% | 8.3% | 13.6% |
| Term (months) | 49 | 61 | 73 | 73 | 76 |
| Loan-to-value | 48.3% | 73.2% | 90.7% | 106.3% | 128.4% |
| Vehicle model year | 2015 | 2018 | 2019 | 2022 | 2022 |
LTV is not comparable across shelves for this filing: the vehicle value source is filer-specific (codes 98, 1), and the code meanings are not asserted here.
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| prime | 661-780 | 1,423 | 48.6% | 4.2% |
| super prime | 781-900 | 1,506 | 51.4% | 3.7% |
Pool composition
- Originators: CONA (2,929)
- Used vehicles: 65.9%
- Co-obligor present: 26.9%
- Zero-APR loans: 0.0%
- States present: 50
- Top states: TX (377), CA (374), FL (250), NJ (160), NY (153), IL (132), GA (119), MO (99)
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). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published 52 codebook fields.
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.