Material Event (Form 8-K)

Item 8.01 Other Events.

Amendment to Warehouse Credit Facility

On August 26, 2026, Vroom, Inc.'s (the "Company's") wholly-owned subsidiaries United Auto Credit Corporation ("UACC") and UACC Auto Financing Trust V (the "Trust V"), entered into Amendment No. 11 ("Amendment No. 11") to that certain Amended and Restated Warehouse Agreement, dated as of March 29, 2021 (as amended, the "Warehouse Credit Facility"), by and among the Trust V, as borrower, UACC, as servicer, custodian, and sole certificate holder, the lenders party thereto, the agents party thereto, and Capital One, N.A., as administrative agent. Amendment No. 11 extends the Commitment Termination Date (as defined in Warehouse Credit Facility) from August 28, 2026 to September 30, 2026. All other material terms of the Warehouse Credit Facility remain unchanged.

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