Free Writing Prospectus
Filed Pursuant to Rule 433
Dated August 26, 2026
Registration Statement Nos. 333-292293 and 333-292293-02

**PRICING DETAILS** $1.008BN Offered Exeter Automobile Receivables Trust (EART) 2026-4 Subprime Auto ABS

Joint Bookrunners: Wells Fargo Securities (Str), J.P. Morgan, BMO Capital Markets, and Deutsche Bank Securities
Co-Managers: Citigroup, Citizens Capital Markets, Mizuho

-Anticipated Capital Structure-

CL
Size ($MM)
Offered ($MM)
M/S*
WAL^
P. WIN^
E. MTY^
L. MTY
BENCH
SPREAD
YLD%
CPN%
$PRICE
A-1
$119.000
$113.050
P-1/A-1+
0.14
01-04
12/2026
08/2027
I-CRV
+ 30
4.0200
4.020
100.00000
A-2
$164.550
$156.322
Aaa/AAA
0.54
04-11
07/2027
12/2028
I-CRV
+ 50
4.4160
4.370
99.99702
A-3
$246.630
$234.298
Aaa/AAA
1.37
11-24
08/2028
10/2030
I-CRV
+ 52
4.6110
4.560
99.99050
B
$115.230
$109.468
Aaa/AA
2.20
24-30
02/2029
06/2031
I-CRV
+ 70
4.9280
4.870
99.98320
C
$118.550
$112.622
Aa3/A
2.81
30-38
10/2029
02/2033
I-CRV
+ 95
5.2160
5.160
99.99969
D
$159.560
$151.582
Baa3/BBB
3.64
38-51
11/2030
02/2033
I-CRV
+ 140
5.7100
5.640
99.98964
E
$107.470
$102.096
NR/BB-
4.58
51-58
06/2031
10/2034
I-CRV
+ 335
7.7070
7.580
99.97699
N
$29.916
$28.420
NR/B
0.58'
05-09'
05/2027'
10/2034
I-CRV
+ 285
6.7750
6.680
99.99965

* Expected Ratings
^ 1.50% ABS to 5.00% Clean-Up Call
‘ Based on Case 2 assumptions outlined in the Offering Memorandum

-Transaction Summary-
Issued Size: $1.061BN (No Grow)
Offered Size: $1.008BN (No Grow)
Exp. Settle: On or about 08/31/2026
First Pay Date: 09/15/2026
Pxg Speed: 1.50% ABS to 5.00% Call
Offering Format: (Class A-D): SEC REG (Public) | (Class E & N): 144A / Reg S / IAI
ERISA Eligible: (Class A-D): Yes | (Class E & N): No
Exp. Ratings: S&P/Moody's
Min Denoms: (Class A-D): $1k x $1k | (Class E): $1,629,000 x $1k | (Class N): $1,425,000 x $1k
BBG Ticker: EART 2026-4
B&D: Wells Fargo Securities

-Available Information-
Preliminary Prospectus: Attached
Preliminary Offering Memorandum: Attached
Ratings FWP: Attached
Intex CDI: Attached
Intexnet Deal Name: wsexar2604 | Password: 2434
Dealroadshow: https://dealroadshow.finsight.com | Code: EART264
Dealroadshow Direct Link: https://dealroadshow.finsight.com/e/EART264

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EFCAR, LLC has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates.  Before you invest, you should read the prospectus in that registration statement and other documents EFCAR, LLC has filed with the SEC for more complete information about EFCAR, LLC, Exeter Automobile Receivables Trust 2026-4 and this offering.  You may get these documents for free by visiting EDGAR on the SEC web site at www.sec.gov.  Alternatively, EFCAR, LLC, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-645-3751.