Statement to Securityholder 

Ally Auto Receivables Trust 2022-3

 

Distribution Information			Deal Information
1. Distribution Summary			Deal:			Ally Auto Receivables Trust 2022-3
2. Factor Summary			Asset Type:			Consumer Retail
3. Interest Summary			Closing Date:			12/14/2022
4. Collections and Distributions			Bloomberg Ticker:			ALLYA 2022-3
5. Collateral Summary			Collection Period, Begin:			4/1/2024
			Collection Period, End:			4/30/2024
6. Charge-Off and Delinquency Rates			Determination Date:			5/10/2024
			Distribution Date:			5/15/2024
7. Credit Instruments
			ABS Investor Relations - Ally Bank as Servicer:
8. Performance Tests			Telephone:			(866) 710-4623
			E-Mail:			securitization@ally.com
9. Asset Representations Delinquency Triggers
10. Supplemental Disclosures

The Class A-1 Notes, Class B Notes, Class C Notes, and Class D Notes have not been registered under the United States Securities Act of 1933, as amended (the "Securities Act"), or the securities laws of any other jurisdiction. The Class A-1 Notes, Class B Notes, Class C Notes, and the Class D Notes are not transferable, other than to a qualified institutional buyer (as defined in Rule 144A) or pursuant to another exemption under the Securities Act, and subject to satisfaction of certain other provisions of the Indenture.                    

Page 1 of 8

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-3

1. Distribution Summary  

Class			CUSIP/			Initial Note			Beginning Note			Note Rate			Principal			Interest			Pass Through			Total			Principal			Interest			Ending Note
			CUSIP-RegS			Principal Balance			Principal Balance						Distribution			Distribution			Distribution			Distribution			Carryover Shortfall			Carryover Shortfall			Principal Balance
																								(3) + (4) + (5)  = (6)									(1) - (3) - (7) = (9)
									(1)			(2)			(3)			(4)			(5)			(6)			(7)			(8)			(9)
A-1			02008DAA7			216,000,000.00			0.00			4.55700000			0.00			0.00			N/A			0.00			0.00			0.00			0.00
A-2			02008DAB5			323,000,000.00			31,717,548.21			5.29000000			22,640,462.63			139,821.53			N/A			22,780,284.16			0.00			0.00			9,077,085.58
A-3			02008DAC3			323,000,000.00			323,000,000.00			5.07000000			0.00			1,364,675.00			N/A			1,364,675.00			0.00			0.00			323,000,000.00
A-4			02008DAD1			71,120,000.00			71,120,000.00			5.07000000			0.00			300,482.00			N/A			300,482.00			0.00			0.00			71,120,000.00
B			02008DAE9			20,760,000.00			20,760,000.00			5.88000000			0.00			101,724.00			N/A			101,724.00			0.00			0.00			20,760,000.00
C			02008DAF6			17,300,000.00			17,300,000.00			6.37000000			0.00			91,834.17			N/A			91,834.17			0.00			0.00			17,300,000.00
D			02008DAG4			12,850,000.00			12,850,000.00			7.54000000			0.00			80,740.83			N/A			80,740.83			0.00			0.00			12,850,000.00
Certificates						N/A			N/A			N/A			N/A			N/A			941,459.41			941,459.41			N/A			N/A			N/A
			Deal Totals			984,030,000.00			476,747,548.21						22,640,462.63			2,079,277.53			941,459.41			25,661,199.57			0.00			0.00			454,107,085.58

Page 2 of 8

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-3

2. Factor Summary

(Amount per $1,000 of Original Principal) 

Class			Beginning Note Pool Factor			Principal Distribution Factor			Interest Distribution Factor			Total Distribution Factor			Interest Carryover Shortfall Factor			Ending Note Pool Factor
A-1			0.0000000			0.0000000			0.0000000			0.0000000			0.0000000			0.0000000
A-2			98.1967437			70.0943115			0.4328840			70.5271955			0.0000000			28.1024321
A-3			1,000.0000000			0.0000000			4.2250000			4.2250000			0.0000000			1,000.0000000
A-4			1,000.0000000			0.0000000			4.2250000			4.2250000			0.0000000			1,000.0000000
B			1,000.0000000			0.0000000			4.9000000			4.9000000			0.0000000			1,000.0000000
C			1,000.0000000			0.0000000			5.3083335			5.3083335			0.0000000			1,000.0000000
D			1,000.0000000			0.0000000			6.2833331			6.2833331			0.0000000			1,000.0000000

Beginning Aggregate Note Pool Factor:			484.4847700
Ending Aggregate Note Pool Factor:			461.4768712
Beginning Reserve Account Balance Factor:			1,000.0000000
Reserve Account Draw, distributed to Noteholders, Factor:			0.0000000
Reserve Account Draw, distributed to Certificateholders, Factor:			0.0000000
Ending Reserve Account Balance Factor:			1,000.0000000

Page 3 of 8

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Statement to Securityholder 

Ally Auto Receivables Trust 2022-3

3. Interest Summary

A. Target Interest Summary

Class

Beginning Note Principal Balance

Interest Accrual Period, Start

Interest Accrual Period, End

Accrual Methodology

Applicable Index

Margin

Fixed

Note Rate

Target Interest Distribution

A-1

0.00

4/15/2024

5/14/2024

Actual/360

N/A

N/A

4.55700000

4.55700000

0.00

A-2

31,717,548.21

4/15/2024

5/14/2024

30/360

N/A

N/A

5.29000000

5.29000000

139,821.53

A-3

323,000,000.00

4/15/2024

5/14/2024

30/360

N/A

N/A

5.07000000

5.07000000

1,364,675.00

A-4

71,120,000.00

4/15/2024

5/14/2024

30/360

N/A

N/A

5.07000000

5.07000000

300,482.00

B

20,760,000.00

4/15/2024

5/14/2024

30/360

N/A

N/A

5.88000000

5.88000000

101,724.00

C

17,300,000.00

4/15/2024

5/14/2024

30/360

N/A

N/A

6.37000000

6.37000000

91,834.17

D

12,850,000.00

4/15/2024

5/14/2024

30/360

N/A

N/A

7.54000000

7.54000000

80,740.83

    

B. Interest Payment Amount Summary

Class						Beginning Unpaid Interest Carryover Shortfall						Target Interest Distribution			Interest Shortfall Amount Allocated/(Repaid)			Actual Interest Distribution (2) - (3) = (4)						Remaining Unpaid Interest Carryover Shortfall (1) + (3) = (5)
						(1)						(2)			(3)			(4)						(5)
A-1						0.00						0.00			0.00			0.00						0.00
A-2						0.00						139,821.53			0.00			139,821.53						0.00
A-3						0.00						1,364,675.00			0.00			1,364,675.00						0.00
A-4						0.00						300,482.00			0.00			300,482.00						0.00
B						0.00						101,724.00			0.00			101,724.00						0.00
C						0.00						91,834.17			0.00			91,834.17						0.00
D						0.00						80,740.83			0.00			80,740.83						0.00
Deal Totals						0.00						2,079,277.53			0.00			2,079,277.53						0.00

Page 4 of 8

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Statement to Securityholder

Ally Auto Receivables Trust 2022-3

4. Collections and Distributions

Collections
Receipts During the Period			25,714,342.51
Administrative Purchase Payments			186,859.02
Warranty Payments			0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses)			182,103.20
Other Fees or Expenses Paid			0.00
Total Collections			26,083,304.73
Beginning Reserve Account Balance			2,471,181.60
Total Available Amount			28,554,486.33
Distributions
Total Available Amount			28,554,486.33
Basic Servicing Fee			420,605.16
Amounts owing to the Asset Representations Reviewer, Indenture Trustee, and Vote Tabulation Agent in connection with an Asset Representations Review			0.00
Aggregate Class A Interest Distributable Amount			1,804,978.53
First Priority Principal Distributable Amount			0.00
Aggregate Class B Interest Distributable Amount			101,724.00
Second Priority Principal Distributable Amount			0.00
Aggregate Class C Interest Distributable Amount			91,834.17
Third Priority Principal Distributable Amount			0.00
Aggregate Class D Interest Distributable Amount			80,740.83
Fourth Priority Principal Distributable Amount			9,790,318.32
Reserve Account Deposit			2,471,181.60
Noteholders' Regular Principal Distributable Amount			12,850,144.31
Indenture Trustee expenses			0.00
Unpaid Fees due to Owner Trustee, Indenture Trustee, Administrator and Asset Representations Reviewer			1,500.00
Excess Total Available Amount to the Certificateholders			941,459.41
Supplemental Servicing Fees			50,018.96
Other Fees or Expenses Accrued			0.00
Liquidation Expenses			17,050.00

Page 5 of 8

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Statement to Securityholder

Ally Auto Receivables Trust 2022-3

 

5. Collateral Summary

 

A. Balances

						Original Balance			Beginning Balance			Ending Balance
Deal Totals			Number of Receivables			61,982			40,351			39,091
			Aggregate Receivables Principal Balance			988,472,639.22			489,597,692.52			466,957,229.89
			Aggregate Amount Financed			1,028,968,867.29			504,726,193.20			481,118,423.15

There have been no receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred.

B. Pool Composition - Weighted Averages

Inception

Beginning

Ending

Inception

Beginning

Ending

Inception

Beginning

Ending

Weighted

Weighted

Weighted

Weighted

Weighted

Weighted

Weighted

Weighted

Weighted

Average

Average

Average

Average

Average

Average

Average

Average

Average

Coupon

Coupon

Coupon

Original

Original

Original

Remaining

Remaining

Remaining

Maturity

Maturity

Maturity

Maturity

Maturity

Maturity

Deal Totals

6.77000000

6.83419201

6.84530973

70.07

70.75

70.81

50.40

38.47

37.76

C. Pool Composition - Prepayments

Month			1			2			3			4			5			6			7			8			9			10			11			12			13			14			15			16			17			18			19			20
Monthly			1.07%			1.24%			1.15%			1.05%			1.24%			1.12%			1.21%			1.14%			1.09%			1.17%			1.03%			1.14%			0.99%			0.98%			1.04%			1.04%			1.05%			1.10%
Month			21			22			23			24			25			26			27			28			29			30			31			32			33			34			35			36			37			38			39			40
Monthly
Month			41			42			43			44			45			46			47			48			49			50			51			52			53			54			55			56			57			58			59			60
Monthly

Page 6 of 8

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Statement to Securityholder

Ally Auto Receivables Trust 2022-3

6. Charge-Off and Delinquency Rates

 

A. Current

			Charge-Off Rate																		Delinquency Rate
			Average Aggregate Amount Financed			Number of Units Charged-Off			Net Charge-Offs			Average Net Charge-Offs			Loss Rate						Total Accounts			Accounts over 60			Percent Delinquent
Current			492,922,308.18			31			323,405.35			10,432.43			0.7873		%				39,091			163			0.4170		%
Preceding			516,679,040.60			32			154,377.03			4,824.28			0.3585		%				40,351			156			0.3866		%
Next Preceding			540,788,329.88			45			452,436.01			10,054.13			1.0039		%				41,655			177			0.4249		%
Third Preceding			565,485,131.39			32			342,482.49			10,702.58			0.7268		%				Three Month Average						0.4095		%
Four Month Average															0.7191		%

B. Cumulative

			Aggregate Amount			Cumulative Net			Cumulative Loss Rate						Delinquency			Total			Total Balance			Percent
			Financed			Charge-Offs									Stratification			Accounts						Delinquent
Totals			1,028,968,867.29			4,393,374.69			0.4270		%				31 - 60 days			453			7,252,919.80			1.5075		%
The information contained in this report is defined or determined in a manner consistent with the prospectus for Ally Auto Receivables															61 - 90 days			139			2,145,891.67			0.4460		%
Trust 2022-3 related to delinquencies, charge-offs or uncollectible accounts.															91 - 120 days			21			319,990.76			0.0665		%
															> 120 days			3			25,011.34			0.0052		%
There have been no material changes in determining delinquencies, charge-offs or uncollectible amounts.
															Bankruptcies						Total Accounts			Total Balance
															Prior Period1						129			1,995,848.30
															Additions						11			175,852.84
1. Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.															Removals2						7			140,016.16
2. Removals include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies.															Ending Inventory						133			2,031,684.98

7. Credit Instruments

 

A. Reserve Accounts

Account						Initial Balance						Beginning Balance			ADDITIONS			REDUCTIONS						Ending Balance						Specified Reserve Account Balance
																		Draws			Releases
Cash Reserve						2,471,181.60						2,471,181.60			0.00			0.00			0.00			2,471,181.60						2,471,181.60

Page 7 of 8

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Statement to Securityholder

Ally Auto Receivables Trust 2022-3

8. Performance Tests

Event of Default			All Tests Passed
Servicer Default			All Tests Passed
Asset Representations Review Delinquency Trigger			PASS
Overcollateralization Target reached?			YES
Initial Overcollateralization			4,442,639.22
Current Overcollateralization			12,850,144.31
Overcollateralization Target			12,850,144.31

 

9. Asset Representations Delinquency Triggers

Period			1			2			3			4			5			6			7			8			9			10			11			12			13			14			15			16			17			18			19			20
Trigger Level			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			1.70%			2.60%			2.60%			2.60%			2.60%			2.60%			2.60%			2.60%			2.60%
61+ Delinquencies			0.01%			0.13%			0.24%			0.24%			0.20%			0.27%			0.32%			0.32%			0.38%			0.44%			0.48%			0.47%			0.58%			0.59%			0.64%			0.56%			0.51%			0.52%
Period			21			22			23			24			25			26			27			28			29			30			31			32			33			34			35			36			37			38			39			40
Trigger Level			2.60%			2.60%			2.60%			2.60%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			3.10%			4.10%			4.10%			4.10%			4.10%
61+ Delinquencies
Period			41			42			43			44			45			46			47			48			49			50			51			52			53			54			55			56			57			58			59			60
Trigger Level			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%			4.10%
61+ Delinquencies

10. Supplemental Disclosures

Number of Receivables extended during the current Collection Period			133

Other than as disclosed above in Section 10 of this Statement to Securityholder, there have been no material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the distribution period or that, cumulatively, have become material over time.

This Servicer Certificate relates only to AART 2022-3. This Servicer Certificate should not be relied upon with respect to any other security. The information contained herein is only an indication of past performance and does not predict how AART 2022-3 will perform in the future.

AART 2022-3 has not been structured with the objective of ensuring compliance with the requirements of the EU Securitization Regulation or the UK Securitization Regulation by any person. Prospective investors are responsible for analyzing their own regulatory position and should consult with their own investment and legal advisors regarding the application of the EU Securitization Regulation, the UK Securitization Regulation or other applicable regulations and the suitability of the notes for investment.

Page 8 of 8