Results
Ally Auto Receivables Trust 2025-1
10/22/2026 | Press release | Distributed by Public on 10/22/2026 11:17
Asset-Backed Issuer Distribution Report (Form 10-D)
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
| Deal Information | Table of Contents | ||||||||||
| Asset Type: | Consumer Retail | 1. | Class Distribution Summary | ||||||||
| 2. | Note Factor Summary | ||||||||||
| Closing Date: | 10/16/2025 | 3. | Interest Summary | ||||||||
| 4. | Collections and Distributions | ||||||||||
| Bloomberg Ticker: | ALLYA 2025-1 | 5. | Cash Reserve | ||||||||
| 6. | Collateral Summary | ||||||||||
| Collection Period: | 7. | Net Charge-Offs, Delinquencies, and Bankruptcies | |||||||||
| Begin | 9/1/2026 | 8. | Performance Tests | ||||||||
| End | 9/30/2026 | 9. | Supplemental Disclosures | ||||||||
| Determination Date: | 10/13/2026 | ||||||||||
| Distribution Date: | 10/15/2026 | ||||||||||
| ABS Investor Relations: | |||||||||||
| Servicer: | Ally Bank | ||||||||||
| Telephone: | (866) 710-4623 | ||||||||||
| E-Mail: | [email protected] | ||||||||||
|
Additional information about the transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the CIK number 0002087070. |
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Page 1 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
| 1. Class Distribution Summary | |||||||||||||||||||||||
| Class Distribution | |||||||||||||||||||||||
| Class |
CUSIP/ CUSIP-RegS |
Initial Note Principal Balance |
Beginning Note Principal Balance |
Principal | Interest | Total |
Ending Note Principal Balance |
||||||||||||||||
| A-1 | 02008KAA1 | 260,900,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||||||||||
| A-2 | 02008KAB9 | 326,310,000.00 | 116,468,373.97 | 29,181,962.75 | 391,139.62 | 29,573,102.37 | 87,286,411.22 | ||||||||||||||||
| A-3 | 02008KAC7 | 376,310,000.00 | 376,310,000.00 | 0.00 | 1,241,823.00 | 1,241,823.00 | 376,310,000.00 | ||||||||||||||||
| A-4 | 02008KAD5 | 95,650,000.00 | 95,650,000.00 | 0.00 | 325,210.00 | 325,210.00 | 95,650,000.00 | ||||||||||||||||
| B | 02008KAE3 | 23,560,000.00 | 23,560,000.00 | 0.00 | 84,816.00 | 84,816.00 | 23,560,000.00 | ||||||||||||||||
| C | 02008KAF0 | 19,630,000.00 | 19,630,000.00 | 0.00 | 74,594.00 | 74,594.00 | 19,630,000.00 | ||||||||||||||||
| D | 02008KAG8 | 14,590,000.00 | 14,590,000.00 | 0.00 | 59,697.42 | 59,697.42 | 14,590,000.00 | ||||||||||||||||
| Total Notes | 1,116,950,000.00 | 646,208,373.97 | 29,181,962.75 | 2,177,280.04 | 31,359,242.79 | 617,026,411.22 | |||||||||||||||||
| Certificates | 02008K103 / U0202K108 | 1,954,710.97 | |||||||||||||||||||||
| Total Class Distribution | 33,313,953.76 | ||||||||||||||||||||||
Page 2 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
2. Note Factor Summary
(Amount per $1,000 of Original Principal)
| Distribution | |||||||||||||||||
| Class | Beginning | Principal | Interest | Total | Ending | ||||||||||||
| A-1 | 0.0000000 | 0.0000000 | 0.0000000 | 0.0000000 | 0.0000000 | ||||||||||||
| A-2 | 356.9255431 | 89.4301822 | 1.1986749 | 90.6288571 | 267.4953609 | ||||||||||||
| A-3 | 1,000.0000000 | 0.0000000 | 3.3000000 | 3.3000000 | 1000.0000000 | ||||||||||||
| A-4 | 1,000.0000000 | 0.0000000 | 3.4000000 | 3.4000000 | 1000.0000000 | ||||||||||||
| B | 1,000.0000000 | 0.0000000 | 3.6000000 | 3.6000000 | 1000.0000000 | ||||||||||||
| C | 1,000.0000000 | 0.0000000 | 3.8000000 | 3.8000000 | 1000.0000000 | ||||||||||||
| D | 1,000.0000000 | 0.0000000 | 4.0916669 | 4.0916669 | 1000.0000000 | ||||||||||||
| Total Notes | 578.5472707 | 552.4207988 | |||||||||||||||
Page 3 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
3. Interest Summary
A. Target Interest Calculation
| Fixed Rate | Variable Rate | |||||||||||||||||||||||||||||||||||||
| Class | Beginning Note Principal Balance | Accrual Methodology | Interest Accrual Days | Total | Applicable Index | Margin | Total | Target Interest Calculation | ||||||||||||||||||||||||||||||
| A-1 | 0.00 | Actual/360 | 30 | 4.069% | N/A | N/A | N/A | 0.00 | ||||||||||||||||||||||||||||||
| A-2 | 116,468,373.97 | 30/360 | 30 | 4.030% | N/A | N/A | N/A | 391,139.62 | ||||||||||||||||||||||||||||||
| A-3 | 376,310,000.00 | 30/360 | 30 | 3.960% | N/A | N/A | N/A | 1,241,823.00 | ||||||||||||||||||||||||||||||
| A-4 | 95,650,000.00 | 30/360 | 30 | 4.080% | N/A | N/A | N/A | 325,210.00 | ||||||||||||||||||||||||||||||
| B | 23,560,000.00 | 30/360 | 30 | 4.320% | N/A | N/A | N/A | 84,816.00 | ||||||||||||||||||||||||||||||
| C | 19,630,000.00 | 30/360 | 30 | 4.560% | N/A | N/A | N/A | 74,594.00 | ||||||||||||||||||||||||||||||
| D | 14,590,000.00 | 30/360 | 30 | 4.910% | N/A | N/A | N/A | 59,697.42 | ||||||||||||||||||||||||||||||
| Total | 646,208,373.97 | 2,177,280.04 | ||||||||||||||||||||||||||||||||||||
| B. Interest Distribution | ||||||||||||||||||||||||||||||||||||||
| Class |
Beginning Unpaid Interest Carryover Shortfall |
Target Interest Calculation |
Interest Shortfall Allocated/ (Repaid) | Interest Distribution |
Remaining Unpaid Interest Carryover Shortfall |
|||||||||||||||||||||||||||||||||
| (1) | (2) | (3) | (4) = (2) - (3) | (5) = (1) + (3) | ||||||||||||||||||||||||||||||||||
| A-1 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||||||||||||||||||||||||||||||
| A-2 | 0.00 | 391,139.62 | 0.00 | 391,139.62 | 0.00 | |||||||||||||||||||||||||||||||||
| A-3 | 0.00 | 1,241,823.00 | 0.00 | 1,241,823.00 | 0.00 | |||||||||||||||||||||||||||||||||
| A-4 | 0.00 | 325,210.00 | 0.00 | 325,210.00 | 0.00 | |||||||||||||||||||||||||||||||||
| B | 0.00 | 84,816.00 | 0.00 | 84,816.00 | 0.00 | |||||||||||||||||||||||||||||||||
| C | 0.00 | 74,594.00 | 0.00 | 74,594.00 | 0.00 | |||||||||||||||||||||||||||||||||
| D | 0.00 | 59,697.42 | 0.00 | 59,697.42 | 0.00 | |||||||||||||||||||||||||||||||||
| Total | 0.00 | 2,177,280.04 | 0.00 | 2,177,280.04 | 0.00 | |||||||||||||||||||||||||||||||||
Page 4 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
4. Collections and Distributions
| Collections | |||||
| Receipts During the Period - Principal | 27,677,708.63 | ||||
| Receipts During the Period - Interest | 5,171,852.67 | ||||
| Administrative Purchase Payments | 568,782.89 | ||||
| Warranty Payments | 0.00 | ||||
| Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses) | 447,771.54 | ||||
| Other Fees or Expenses Paid | 0.00 | ||||
| Total Collections | 33,866,115.73 | ||||
| Beginning Reserve Account Balance | 2,804,997.09 | ||||
| Total Available Amount | 36,671,112.82 | ||||
| Distributions | |||||
| Basic Servicing Fee | 550,661.97 | ||||
| Amounts paid in connection with an Asset Representations Review | 0.00 | ||||
| Aggregate Class A Interest Distributable Amount | 1,958,172.62 | ||||
| First Priority Principal Distributable Amount | 0.00 | ||||
| Aggregate Class B Interest Distributable Amount | 84,816.00 | ||||
| Second Priority Principal Distributable Amount | 0.00 | ||||
| Aggregate Class C Interest Distributable Amount | 74,594.00 | ||||
| Third Priority Principal Distributable Amount | 5,977.88 | ||||
| Aggregate Class D Interest Distributable Amount | 59,697.42 | ||||
| Fourth Priority Principal Distributable Amount | 14,590,000.00 | ||||
| Reserve Account Deposit | 2,804,997.09 | ||||
| Noteholders' Regular Principal Distributable Amount | 14,585,984.87 | ||||
| Indenture Trustee expenses | 0.00 | ||||
| Unpaid Fees due to Trustees, Administrator and Asset Representations Reviewer | 1,500.00 | ||||
| Excess Total Available Amount to the Certificateholders | 1,954,710.97 | ||||
| Total Distributions | 36,671,112.82 | ||||
Page 5 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
5. Cash Reserve
| Reductions | ||||||||||||||||||||||||||
| Initial Balance | Beginning Balance | Additions | Draws | Releases | Ending Balance | Specified Reserve Account Balance | ||||||||||||||||||||
| 2,804,997.09 | 2,804,997.09 | 0.00 | 0.00 | 0.00 | 2,804,997.09 | 2,804,997.09 | ||||||||||||||||||||
6. Collateral Summary
| Initial | Beginning | Ending | ||||||||||||||||||
| Balances | Number of Receivables | 58,335 | 41,803 | 40,523 | ||||||||||||||||
| Aggregate Receivables Principal Balance | 1,121,998,836.17 | 660,794,358.84 | 631,612,396.09 | |||||||||||||||||
| Aggregate Amount Financed | 1,121,998,836.17 | 660,794,358.84 | 631,612,396.09 | |||||||||||||||||
| Pool Factor | 58.8943890 | 56.2934983 | ||||||||||||||||||
| Weighted Averages | Coupon | 9.52% | 9.54% | 9.53% | ||||||||||||||||
| Original Maturity | 70.62 | 70.84 | 70.85 | |||||||||||||||||
| Remaining Maturity | 53.50 | 45.06 | 44.38 | |||||||||||||||||
| Prepayment Percentage | Monthly Period | ||||
| 13 | |||||
| 1.31% | |||||
Page 6 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
7. Net Charge-Offs, Delinquencies, and Bankruptcies
| Net Charge-Offs | Cumulative Net Charge-Offs | ||||||||||||||||||||||||||||
| Period | Average Aggregate Amount Financed | Number of Units Charged-Off | Net Charge-Offs (Recoveries) | Average Net Charge-Offs (Recoveries) | Loss Rate | Aggregate Amount Financed | Cumulative Net Charge-Offs | Cumulative Loss Rate | |||||||||||||||||||||
| Current | 646,203,377.47 | 57 | 492,586.57 | 8,641.87 | 0.9147% | 1,121,998,836.17 | 5,010,852.56 | 0.4466% | |||||||||||||||||||||
| Preceding | 676,474,620.65 | 59 | 392,362.65 | 6,650.21 | 0.6960% | ||||||||||||||||||||||||
| Next Preceding | 709,014,971.63 | 55 | 447,843.10 | 8,142.60 | 0.7580% | ||||||||||||||||||||||||
| Third Preceding | 742,861,393.94 | 54 | 499,146.53 | 9,243.45 | 0.8063% | ||||||||||||||||||||||||
| Four Month Average | 0.7938% | ||||||||||||||||||||||||||||
| Delinquencies | Delinquency Stratification | ||||||||||||||||||||||||||||
| Period | Total Accounts | Accounts over 60 | Percent Delinquent | Days | Total Accounts | Total Balance | Percent Delinquent | ||||||||||||||||||||||
| Current | 40,523 | 255 | 0.6293% | 31 - 60 | 573 | 8,953,032.90 | 1.4175% | ||||||||||||||||||||||
| Preceding | 41,803 | 278 | 0.6650% | 61 - 90 | 202 | 3,146,028.25 | 0.4981% | ||||||||||||||||||||||
| Next Preceding | 43,246 | 269 | 0.6220% | 91 - 120 | 49 | 668,886.05 | 0.1059% | ||||||||||||||||||||||
| Three Month Average | 0.6388% | > 120 | 4 | 59,981.60 | 0.0095% | ||||||||||||||||||||||||
| Bankruptcies | |||||||||||
| Total Accounts | Total Balance | ||||||||||
| Prior Period | 163 | 2,603,878.03 | 1 | ||||||||
| Additions | 19 | 332,700.10 | |||||||||
| Removals2 | 9 | 123,322.91 | |||||||||
| Ending | 173 | 2,813,255.22 | |||||||||
1 Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.
2 Include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies.
Page 7 of 8
Statement to Securityholder
Ally Auto Receivables Trust 2025-1
8. Performance Tests
| For the Collection Period | |||||||||||||||||||||||
| Event of Default | All Tests Passed | ||||||||||||||||||||||
| Servicer Default | All Tests Passed | ||||||||||||||||||||||
| Overcollateralization: | |||||||||||||||||||||||
| Initial | 5,048,836.17 | ||||||||||||||||||||||
| Current | 14,585,984.87 | Overcollateralization Target Reached? | YES | ||||||||||||||||||||
| Target | 14,585,984.87 | ||||||||||||||||||||||
| Asset Representations Review Delinquency Trigger: | |||||||||||||||||||||||
| Monthly Period | Trigger | Monthly | 61+ | ||||||||||||||||||||
| 1-12 | 2.80% | Period | Trigger | Delinquencies | |||||||||||||||||||
| 13-24 | 4.10% | 13 | 4.10% | 0.61% | Pass | ||||||||||||||||||
| 25+ | 4.90% | ||||||||||||||||||||||
| 9. Supplemental Disclosures | |||||||||||||||||||||||
| For the Collection Period | |||||||||||||||||||||||
| Supplemental Servicing Fees | 65,463.31 | ||||||||||||||||||||||
| Other Fees or Expenses Accrued | 0.00 | ||||||||||||||||||||||
| Liquidation Expenses | 31,350.00 | ||||||||||||||||||||||
| Have there been any material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the period or that, cumulatively, have become material over time? | No | ||||||||||||||||||||||
| Have there been any material changes in determining or defining delinquencies, charge-offs or uncollectible amounts? | No | ||||||||||||||||||||||
| Have there been any receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred? | No | ||||||||||||||||||||||
Page 8 of 8
Ally Auto Receivables Trust 2025-1 published this content on October 22, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 22, 2026 at 17:20 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]