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			5/1/2026			8.			Performance Tests
End			5/31/2026			9.			Supplemental Disclosures
Determination Date:			6/10/2026
Distribution Date:			6/15/2026
ABS Investor Relations:
Servicer:			Ally Bank
Telephone:			(866) 710-4623
E-Mail:			securitization@ally.com
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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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			250,290,112.47			34,768,370.27			840,557.63			35,608,927.90			215,521,742.20
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			780,030,112.47			34,768,370.27			2,626,698.05			37,395,068.32			745,261,742.20
Certificates			02008K103 / U0202K108															2,382,381.92
Total Class Distribution																		39,777,450.24

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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			767.0316952			106.5501219			2.5759481			109.1260700			660.4815734
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			698.3572340												667.2292781

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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			31						4.069%						N/A			N/A			N/A						0.00
A-2			250,290,112.47						30/360			30						4.030%						N/A			N/A			N/A						840,557.63
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			780,030,112.47																																	2,626,698.05
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						840,557.63			0.00			840,557.63									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						2,626,698.05			0.00			2,626,698.05									0.00

    

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Statement to Securityholder

Ally Auto Receivables Trust 2025-1

4. Collections and Distributions

Collections
Receipts During the Period - Principal			33,241,668.26
Receipts During the Period - Interest			6,158,698.14
Administrative Purchase Payments			468,660.34
Warranty Payments			0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses)			572,103.58
Other Fees or Expenses Paid			0.00
Total Collections			40,441,130.32
Beginning Reserve Account Balance			2,804,997.09
Total Available Amount			43,246,127.41
Distributions
Basic Servicing Fee			662,180.08
Amounts paid in connection with an Asset Representations Review			0.00
Aggregate Class A Interest Distributable Amount			2,407,590.63
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			5,592,385.40
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			2,382,381.92
Total Distributions			43,246,127.41

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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			47,620			46,176
			Aggregate Receivables Principal Balance									1,121,998,836.17			794,616,097.34			759,847,727.07
			Aggregate Amount Financed									1,121,998,836.17			794,616,097.34			759,847,727.07
			Pool Factor												70.8214725			67.7226841
Weighted Averages			Coupon									9.52%			9.55%			9.55%
			Original Maturity									70.62			70.82			70.84
			Remaining Maturity									53.50			47.80			47.11

Prepayment Percentage			Monthly Period
			9
			1.41%

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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			777,231,912.21			48			490,158.40			10,211.63			0.7568%						1,121,998,836.17			3,178,913.71			0.2833%
Preceding			813,795,312.17			52			513,990.58			9,884.43			0.7579%
Next Preceding			853,625,770.56			58			596,398.93			10,282.74			0.8384%
Third Preceding			893,437,581.79			37			476,459.94			12,877.30			0.6399%
Four Month Average															0.7483%

Delinquencies															Delinquency Stratification
Period			Total Accounts			Accounts over 60			Percent Delinquent						Days			Total Accounts			Total Balance			Percent Delinquent
Current			46,176			224			0.4851%						31 - 60			563			9,094,834.30			1.1969%
Preceding			47,620			214			0.4494%						61 - 90			175			2,960,016.10			0.3896%
Next Preceding			49,199			205			0.4167%						91 - 120			47			717,414.80			0.0944%
Three Month Average									0.4504%						> 120			2			44,138.43			0.0058%

Bankruptcies
			Total Accounts			Total Balance
Prior Period			135			2,370,496.37			1
Additions			20			294,078.66
Removals2			11			209,716.23
Ending			144			2,454,858.80

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.

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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%

9

2.80%

0.49%

Pass

25+

4.90%

9. Supplemental Disclosures

For the Collection Period

Supplemental Servicing Fees

77,531.68

Other Fees or Expenses Accrued

0.00

Liquidation Expenses

26,400.00

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

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