Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 7 | |
Additional information about the structure, cashflows, defined terms and parties for this transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the registration number 333-281130 and at https://www.ford.com/finance/investor-center/asset-backed-securitization.
I. ORIGINAL DEAL PARAMETERS
| | | | | | | | | | | | | | | | | |
| Dollar Amount | | # of Receivables | | Weighted Avg Remaining Term at Cutoff |
| Initial Pool Balance | $ | 1,488,961,023.25 | | | 39,024 | | 55.0 months |
| | | | | |
| Dollar Amount | | Note Interest Rate | | Final Scheduled Payment Date |
| Original Securities | | | | | |
| Class A-1 Notes | $ | 297,000,000.00 | | | 3.826 | % | | March 15, 2027 |
| Class A-2a Notes | $ | 253,000,000.00 | | | 4.02 | % | | January 15, 2029 |
| Class A-2b Notes | $ | 253,000,000.00 | | | 4.07850 | % | * | January 15, 2029 |
| Class A-3 Notes | $ | 469,000,000.00 | | | 4.05 | % | | October 15, 2030 |
| Class A-4 Notes | $ | 78,000,000.00 | | | 4.16 | % | | April 15, 2032 |
| Class B Notes | $ | 42,630,000.00 | | | 4.34 | % | | April 15, 2032 |
| Class C Notes | $ | 28,410,000.00 | | | 0.00 | % | | September 15, 2033 |
| Total | $ | 1,421,040,000.00 | | | | | |
| | | * 30-day average SOFR + 0.43% |
II. AVAILABLE FUNDS
| | | | | |
| Interest: | |
| Interest Collections | $ | 4,900,938.55 | |
| |
| Principal: | |
| Principal Collections | $ | 27,624,558.51 | |
| Prepayments in Full | $ | 15,902,531.21 | |
| Liquidation Proceeds | $ | 250,471.26 | |
| Recoveries | $ | 2,101.14 | |
| Sub Total | $ | 43,779,662.12 | |
| Collections | $ | 48,680,600.67 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 8,193.78 | |
| Purchase Amounts Related to Interest | $ | 42.03 | |
| Sub Total | $ | 8,235.81 | |
| |
| Clean-up Call | $ | 0.00 | |
| |
| Reserve Account Draw Amount | $ | 0.00 | |
| |
| Available Funds - Total | $ | 48,688,836.48 | |
Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 7 | |
III. DISTRIBUTIONS
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Calculated Amount | | Amount Paid | | Shortfall | | Carryover Shortfall | | Remaining Available Funds |
| Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 48,688,836.48 | |
| Servicing Fee | $ | 1,009,841.20 | | | $ | 1,009,841.20 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 47,678,995.28 | |
| Interest - Class A-1 Notes | $ | 59,426.49 | | | $ | 59,426.49 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 47,619,568.79 | |
| Interest - Class A-2a Notes | $ | 847,550.00 | | | $ | 847,550.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 46,772,018.79 | |
| Interest - Class A-2b Notes | $ | 859,883.75 | | | $ | 859,883.75 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 45,912,135.04 | |
| Interest - Class A-3 Notes | $ | 1,582,875.00 | | | $ | 1,582,875.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,329,260.04 | |
| Interest - Class A-4 Notes | $ | 270,400.00 | | | $ | 270,400.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,058,860.04 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 44,058,860.04 | |
| Interest - Class B Notes | $ | 154,178.50 | | | $ | 154,178.50 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 43,904,681.54 | |
| Second Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 43,904,681.54 | |
| Interest - Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 43,904,681.54 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 43,904,681.54 | |
| Regular Principal Payment | $ | 54,515,857.23 | | | $ | 43,904,681.54 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Residual Released to Depositor | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | | | $ | 48,688,836.48 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Regular Principal Payment | | | | | | | | | $ | 43,904,681.54 | |
| Total | | | | | | | | | $ | 43,904,681.54 | |
| | | | | | | | | |
IV. NOTEHOLDER PAYMENTS
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Noteholder Principal Payments | | Noteholder Interest Payments | | Total Payment |
| | | Per $1,000 of | | | | Per $1,000 of | | | | Per $1,000 of |
| Actual | | Original Balance | | Actual | | Original Balance | | Actual | | Original Balance |
| Class A-1 Notes | $ | 18,638,733.19 | | | $ | 62.76 | | | $ | 59,426.49 | | | $ | 0.20 | | | $ | 18,698,159.68 | | | $ | 62.96 | |
| Class A-2a Notes | $ | 12,632,974.18 | | | $ | 49.93 | | | $ | 847,550.00 | | | $ | 3.35 | | | $ | 13,480,524.18 | | | $ | 53.28 | |
| Class A-2b Notes | $ | 12,632,974.17 | | | $ | 49.93 | | | $ | 859,883.75 | | | $ | 3.40 | | | $ | 13,492,857.92 | | | $ | 53.33 | |
| Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 1,582,875.00 | | | $ | 3.38 | | | $ | 1,582,875.00 | | | $ | 3.38 | |
| Class A-4 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 270,400.00 | | | $ | 3.47 | | | $ | 270,400.00 | | | $ | 3.47 | |
| Class B Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 154,178.50 | | | $ | 3.62 | | | $ | 154,178.50 | | | $ | 3.62 | |
| Class C Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | $ | 43,904,681.54 | | | $ | 30.90 | | | $ | 3,774,313.74 | | | $ | 2.66 | | | $ | 47,678,995.28 | | | $ | 33.56 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 7 | |
V. NOTE BALANCE AND POOL INFORMATION
| | | | | | | | | | | | | | | | | | | | | | | |
| Beginning of Period | | End of Period |
| Balance | | Note Factor | | Balance | | Note Factor |
| Class A-1 Notes | $ | 18,638,733.19 | | | 0.0627567 | | $ | 0.00 | | | 0.0000000 |
| Class A-2a Notes | $ | 253,000,000.00 | | | 1.0000000 | | $ | 240,367,025.82 | | | 0.9500673 |
| Class A-2b Notes | $ | 253,000,000.00 | | | 1.0000000 | | $ | 240,367,025.83 | | | 0.9500673 |
| Class A-3 Notes | $ | 469,000,000.00 | | | 1.0000000 | | $ | 469,000,000.00 | | | 1.0000000 |
| Class A-4 Notes | $ | 78,000,000.00 | | | 1.0000000 | | $ | 78,000,000.00 | | | 1.0000000 |
| Class B Notes | $ | 42,630,000.00 | | | 1.0000000 | | $ | 42,630,000.00 | | | 1.0000000 |
| Class C Notes | $ | 28,410,000.00 | | | 1.0000000 | | $ | 28,410,000.00 | | | 1.0000000 |
| Total | $ | 1,142,678,733.19 | | | 0.8041144 | | $ | 1,098,774,051.65 | | | 0.7732182 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 4.858 | % | | 4.860 | % |
| Weighted Average Remaining Term | 50.52 | | 49.75 |
| Number of Receivables Outstanding | 33,706 | | 32,876 |
| Pool Balance | $ | 1,211,809,438.08 | | | $ | 1,167,817,113.49 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 1,158,366,485.35 | | | $ | 1,116,583,858.73 | |
| Pool Factor | 0.8138624 | | 0.7843168 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,552,622.85 | |
| Yield Supplement Overcollateralization Amount | $ | 51,233,254.76 | |
| Targeted Overcollateralization Amount | $ | 79,654,237.53 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 69,043,061.84 | |
| |
VII. RECONCILIATION OF RESERVE ACCOUNT
| | | | | |
| Beginning Reserve Account Balance | $ | 3,552,622.85 | |
| Reserve Account Deposits Made | $ | 0.00 | |
| Reserve Account Draw Amount | $ | 0.00 | |
| Ending Reserve Account Balance | $ | 3,552,622.85 | |
| Change in Reserve Account Balance | $ | 0.00 | |
| Specified Reserve Balance | $ | 3,552,622.85 | |
| |
Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 7 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 65 | | $ | 206,569.83 | |
| (Recoveries) | | | 3 | | $ | 2,101.14 | |
| Net Loss for Current Collection Period | | | | | $ | 204,468.69 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.2025 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | 0.0648 | % |
| Second Prior Collection Period | | 0.4411 | % |
| Prior Collection Period | | | | | 0.0782 | % |
| Current Collection Period | | | | | 0.2062 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | 0.1976 | % |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 373 | | $ | 917,107.40 | |
| (Cumulative Recoveries) | | | | | $ | 20,122.00 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 896,985.40 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.0602 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 2,458.73 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 2,404.79 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 0.64 | % | | 175 | | $ | 7,449,270.51 | |
| 61-90 Days Delinquent | 0.07 | % | | 25 | | $ | 854,653.52 | |
| 91-120 Days Delinquent | 0.01 | % | | 3 | | $ | 79,678.75 | |
| Over 120 Days Delinquent | 0.01 | % | | 2 | | $ | 151,750.87 | |
| Total Delinquent Receivables | 0.73 | % | | 205 | | $ | 8,535,353.65 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 18 | | $ | 827,233.31 | |
| Total Repossessed Inventory | | | 26 | | $ | 1,162,904.77 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | 0.0723 | % |
| Prior Collection Period | | | | | 0.0831 | % |
| Current Collection Period | | | | | 0.0913 | % |
| Three Month Average | | | | | 0.0822 | % |
| | | | | |
| Delinquency Trigger (61+ Delinquent Receivables) | | | | | |
| Transaction Month | Trigger | | | | |
| 1-12 | 0.80% | | | | |
| 13-24 | 1.30% | | | | |
| 25-36 | 2.40% | | | | |
| 37+ | 4.55% | | | | |
| 61+ Delinquent Receivables Balance to EOP Pool Balance | | | | | 0.0930 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2026-A
Monthly Investor Report
| | | | | |
| Collection Period | September 2026 |
| Payment Date | 10/15/2026 |
| Transaction Month | 7 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 55 | $2,846,819.29 | |
| 2 Months Extended | | | 88 | $4,040,421.46 | |
| 3+ Months Extended | | | 21 | $882,560.65 | |
| | | | |
| Total Receivables Extended | 164 | $7,769,801.40 | |
IX. REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
| | |
| No Activity to report |
|
| Most Recent Form ABS-15G for repurchase demand activity |
|
| Filed by: Ford Motor Credit Company LLC |
| CIK#: 0000038009 |
| Date: February 6, 2026 |
|
X. FLOATING RATE BENCHMARK: BENCHMARK TRANSITION
| | | | | |
| Benchmark Transition Event: | N/A |
| |
| Benchmark Replacement Date: | N/A |
| |
| Unadjusted Benchmark Replacement: | N/A |
| |
| Benchmark Replacement Adjustment: | N/A |
| |
| Benchmark Replacement Conforming Changes: | N/A |
| |
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer