Credit standards · Auto loan credit standards
WORLD OMNI AUTO RECEIVABLES LLC
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-07-29. 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.
978 loans analysed, sampled systematically (every 20th record) from 19,565 records. CIK 1083199. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 664 | 710 | 761 | 813 | 859 |
| APR | 1.9% | 3.9% | 4.9% | 7.0% | 10.1% |
| Payment-to-income | 2.3% | 5.5% | 8.4% | 12.4% | 18.6% |
| Term (months) | 38 | 62 | 73 | 76 | 77 |
| Loan-to-value | 51.0% | 82.8% | 101.6% | 118.8% | 139.4% |
| Vehicle model year | 2021 | 2022 | 2022 | 2023 | 2023 |
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| near prime | 601-660 | 35 | 3.6% | 9.1% |
| prime | 661-780 | 538 | 55.0% | 5.9% |
| super prime | 781-900 | 394 | 40.3% | 4.5% |
Pool composition
- Originators: WORLD OMNI FINANCIAL CORP (978)
- Used vehicles: 3.6%
- Co-obligor present: 30.7%
- Zero-APR loans: 0.1%
- States present: 27
- Top states: FL (445), GA (208), NC (158), AL (59), SC (53), VA (10), TN (9), MS (6)
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, 1 and 2, 3). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published none.
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.