Ford Credit Auto Owner Trust 2026-A
10/21/2026 | Press release | Distributed by Public on 10/21/2026 08:11
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 7 | ||||
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 | $ | 1,488,961,023.25 | 39,024 | 55.0 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities | |||||||||||||||||
| Class A-1 Notes | $ | 297,000,000.00 | 3.826 | % | March 15, 2027 | ||||||||||||
| Class A-2a Notes | $ | 253,000,000.00 | 4.02 | % | January 15, 2029 | ||||||||||||
| Class A-2b Notes | $ | 253,000,000.00 | 4.07850 | % | * | January 15, 2029 | |||||||||||
| Class A-3 Notes | $ | 469,000,000.00 | 4.05 | % | October 15, 2030 | ||||||||||||
| Class A-4 Notes | $ | 78,000,000.00 | 4.16 | % | April 15, 2032 | ||||||||||||
| Class B Notes | $ | 42,630,000.00 | 4.34 | % | April 15, 2032 | ||||||||||||
| Class C Notes | $ | 28,410,000.00 | 0.00 | % | September 15, 2033 | ||||||||||||
| Total | $ | 1,421,040,000.00 | |||||||||||||||
| * 30-day average SOFR + 0.43% | |||||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 4,900,938.55 | |||
| Principal: | |||||
| Principal Collections | $ | 27,624,558.51 | |||
| Prepayments in Full | $ | 15,902,531.21 | |||
| Liquidation Proceeds | $ | 250,471.26 | |||
| Recoveries | $ | 2,101.14 | |||
| Sub Total | $ | 43,779,662.12 | |||
| Collections | $ | 48,680,600.67 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 8,193.78 | |||
| Purchase Amounts Related to Interest | $ | 42.03 | |||
| Sub Total | $ | 8,235.81 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 48,688,836.48 | |||
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Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 7 | ||||
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 | $ | 48,688,836.48 | |||||||||||||||||||
| Servicing Fee | $ | 1,009,841.20 | $ | 1,009,841.20 | $ | 0.00 | $ | 0.00 | $ | 47,678,995.28 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 59,426.49 | $ | 59,426.49 | $ | 0.00 | $ | 0.00 | $ | 47,619,568.79 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 847,550.00 | $ | 847,550.00 | $ | 0.00 | $ | 0.00 | $ | 46,772,018.79 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 859,883.75 | $ | 859,883.75 | $ | 0.00 | $ | 0.00 | $ | 45,912,135.04 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 1,582,875.00 | $ | 1,582,875.00 | $ | 0.00 | $ | 0.00 | $ | 44,329,260.04 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 270,400.00 | $ | 270,400.00 | $ | 0.00 | $ | 0.00 | $ | 44,058,860.04 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 44,058,860.04 | |||||||||||||||||||
| Interest - Class B Notes | $ | 154,178.50 | $ | 154,178.50 | $ | 0.00 | $ | 0.00 | $ | 43,904,681.54 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 43,904,681.54 | |||||||||||||||||||
| Interest - Class C Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 43,904,681.54 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 43,904,681.54 | |||||||||||||||||||
| Regular Principal Payment | $ | 54,515,857.23 | $ | 43,904,681.54 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 48,688,836.48 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 43,904,681.54 | |||||||||||||||||||||||||||
| Total | $ | 43,904,681.54 | |||||||||||||||||||||||||||
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 | $ | 18,638,733.19 | $ | 62.76 | $ | 59,426.49 | $ | 0.20 | $ | 18,698,159.68 | $ | 62.96 | |||||||||||||||||||||||
| Class A-2a Notes | $ | 12,632,974.18 | $ | 49.93 | $ | 847,550.00 | $ | 3.35 | $ | 13,480,524.18 | $ | 53.28 | |||||||||||||||||||||||
| Class A-2b Notes | $ | 12,632,974.17 | $ | 49.93 | $ | 859,883.75 | $ | 3.40 | $ | 13,492,857.92 | $ | 53.33 | |||||||||||||||||||||||
| Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 1,582,875.00 | $ | 3.38 | $ | 1,582,875.00 | $ | 3.38 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 0.00 | $ | 0.00 | $ | 270,400.00 | $ | 3.47 | $ | 270,400.00 | $ | 3.47 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 154,178.50 | $ | 3.62 | $ | 154,178.50 | $ | 3.62 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Total | $ | 43,904,681.54 | $ | 30.90 | $ | 3,774,313.74 | $ | 2.66 | $ | 47,678,995.28 | $ | 33.56 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 7 | ||||
V. NOTE BALANCE AND POOL INFORMATION
| Beginning of Period | End of Period | ||||||||||||||||||||||
| Balance | Note Factor | Balance | Note Factor | ||||||||||||||||||||
| Class A-1 Notes | $ | 18,638,733.19 | 0.0627567 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2a Notes | $ | 253,000,000.00 | 1.0000000 | $ | 240,367,025.82 | 0.9500673 | |||||||||||||||||
| Class A-2b Notes | $ | 253,000,000.00 | 1.0000000 | $ | 240,367,025.83 | 0.9500673 | |||||||||||||||||
| Class A-3 Notes | $ | 469,000,000.00 | 1.0000000 | $ | 469,000,000.00 | 1.0000000 | |||||||||||||||||
| Class A-4 Notes | $ | 78,000,000.00 | 1.0000000 | $ | 78,000,000.00 | 1.0000000 | |||||||||||||||||
| Class B Notes | $ | 42,630,000.00 | 1.0000000 | $ | 42,630,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 28,410,000.00 | 1.0000000 | $ | 28,410,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 1,142,678,733.19 | 0.8041144 | $ | 1,098,774,051.65 | 0.7732182 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 4.858 | % | 4.860 | % | |||||||
| Weighted Average Remaining Term | 50.52 | 49.75 | |||||||||
| Number of Receivables Outstanding | 33,706 | 32,876 | |||||||||
| Pool Balance | $ | 1,211,809,438.08 | $ | 1,167,817,113.49 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 1,158,366,485.35 | $ | 1,116,583,858.73 | |||||||
| Pool Factor | 0.8138624 | 0.7843168 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 3,552,622.85 | |||
| Yield Supplement Overcollateralization Amount | $ | 51,233,254.76 | |||
| Targeted Overcollateralization Amount | $ | 79,654,237.53 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 69,043,061.84 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 3,552,622.85 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 3,552,622.85 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 3,552,622.85 | |||
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Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 7 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 65 | $ | 206,569.83 | ||||||||||||||
| (Recoveries) | 3 | $ | 2,101.14 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 204,468.69 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.2025 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.0648 | % | |||||||||||||||
| Second Prior Collection Period | 0.4411 | % | |||||||||||||||
| Prior Collection Period | 0.0782 | % | |||||||||||||||
| Current Collection Period | 0.2062 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.1976 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 373 | $ | 917,107.40 | ||||||||||||||
| (Cumulative Recoveries) | $ | 20,122.00 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 896,985.40 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.0602 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 2,458.73 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 2,404.79 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 0.64 | % | 175 | $ | 7,449,270.51 | ||||||||||||
| 61-90 Days Delinquent | 0.07 | % | 25 | $ | 854,653.52 | ||||||||||||
| 91-120 Days Delinquent | 0.01 | % | 3 | $ | 79,678.75 | ||||||||||||
| Over 120 Days Delinquent | 0.01 | % | 2 | $ | 151,750.87 | ||||||||||||
| Total Delinquent Receivables | 0.73 | % | 205 | $ | 8,535,353.65 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 18 | $ | 827,233.31 | ||||||||||||||
| Total Repossessed Inventory | 26 | $ | 1,162,904.77 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.0723 | % | |||||||||||||||
| Prior Collection Period | 0.0831 | % | |||||||||||||||
| Current Collection Period | 0.0913 | % | |||||||||||||||
| Three Month Average | 0.0822 | % | |||||||||||||||
| 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 | 0.0930 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| Collection Period | September 2026 | ||||
| Payment Date | 10/15/2026 | ||||
| Transaction Month | 7 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 55 | $2,846,819.29 | ||||||||||||
| 2 Months Extended | 88 | $4,040,421.46 | ||||||||||||
| 3+ Months Extended | 21 | $882,560.65 | ||||||||||||
| Total Receivables Extended | 164 | $7,769,801.40 | ||||||||||||
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 2026-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 14:11 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]