| ☒ | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---------|--------------------------------------------------------------------------------------|

| ☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---------|------------------------------------------------------------------------------------------|

| Delaware(State or other jurisdiction ofincorporation or organization of issuing entity)                                     | 45-267351987-1282467(I.R.S. EmployerIdentification No. of issuing entity) |
|-----------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------|
|                                                                                                                        |                                                                      |
| c/o Exeter Finance LLC2101 W. John Carpenter FreewayIrving, Texas(Address of principal executive offices of issuing entity) |  75063(Zip Code)                                                     |

| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
|---------------------|-------------------|-------------------------------------------|
| Not applicable      | Not applicable    | Not applicable                            |

|   | ☐ | Yes | ☒ | No |
|--------|---------|-----|---------|----|

|   | ☐ | Yes | ☒ | No |
|--------|---------|-----|---------|----|

|   | ☒ | Yes | ☐ | No |
|--------|---------|-----|---------|----|

|   | ☐ | Yes | ☐ | No |
|--------|---------|-----|---------|----|

----

| Large accelerated filer |  ☐ |   | Accelerated filer         |  ☐ |   |
|-------------------------|---------------|--------|---------------------------|---------------|--------|
| Non-accelerated filer   |  ☒ |   | Smaller reporting company |  ☐ |   |
|                    |          |   | Emerging growth company   |  ☐ |   |

|   |  ☐ |   |
|--------|---------------|--------|

|   |  ☐ |   |
|--------|---------------|--------|

|   |  ☐ |   |
|--------|---------------|--------|

|   |  ☐ |   |
|--------|---------------|--------|

|   |  ☐ | Yes |  ☒ | No |
|--------|---------------|-----|---------------|----|

----

|  | Item 1. | Business. |
|--|---------|-----------|

|  | Item 1A. | Risk Factors. |
|--|----------|---------------|

|  | Item 1C. | Cybersecurity. |
|--|----------|----------------|

|  | Item 2. | Properties. |
|--|---------|-------------|

|  | Item 3. | Legal Proceedings. |
|--|---------|--------------------|

| Item 1B. | Unresolved Staff Comments. |
|----------|----------------------------|

| Item 4. | Mine Safety Disclosures. |
|---------|--------------------------|

----

|  | Item 5. | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. |
|--|---------|---------------------------------------------------------------------------------------------------------------------|

|  | Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations. |
|--|---------|----------------------------------------------------------------------------------------------|

|  | Item 7A. | Quantitative and Qualitative Disclosures About Market Risk. |
|--|----------|-------------------------------------------------------------|

|  | Item 8. | Financial Statements and Supplementary Data. |
|--|---------|----------------------------------------------|

|  | Item 9. | Changes in and Disagreements With Accountants on Accounting and Financial Disclosure. |
|--|---------|---------------------------------------------------------------------------------------|

|  | Item 9A. | Controls and Procedures. |
|--|----------|--------------------------|

----

|  | Item 10. | Directors, Executive Officers and Corporate Governance. |
|--|----------|---------------------------------------------------------|

|  | Item 11. | Executive Compensation. |
|--|----------|-------------------------|

|  | Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. |
|--|----------|-------------------------------------------------------------------------------------------------|

|  | Item 13. | Certain Relationships and Related Transactions, and Director Independence. |
|--|----------|----------------------------------------------------------------------------|

|  | Item 14. | Principal Accountant Fees and Services. |
|--|----------|-----------------------------------------|

----

|  | (a) | The following documents are filed as part of this report: |
|--|-----|-----------------------------------------------------------|

|  | (1) | Not applicable. |
|--|-----|-----------------|

|  | (2) | Not applicable. |
|--|-----|-----------------|

|  | (3) | See Item 15(b) below. |
|--|-----|-----------------------|

|  | (b) | Exhibits Required by Item 601 of Regulation S-K. |
|--|-----|--------------------------------------------------|

| Exhibit Number | Description                                                                                                                                                                                                                                                                                                                                                                                  |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3.1            | Certificate of Formation of EFCAR, LLC (“EFCAR”) (included in Exhibit 3.1 to Registration                  Statement on Form SF-3 (333-213381), as filed by the registrant with the Commission on August 30, 2016, which is incorporated herein by reference).                                                                                                                   |
| 3.2            | Limited Liability Company Agreement of EFCAR (included in Exhibit 3.2 to Registration                  Statement on Form SF-3 (333-213381), as filed by the registrant with the Commission on August 30, 2016, which is incorporated herein by reference).                                                                                                                                   |
| 4.2            | Indenture, dated as of November 15, 2022, among the Trust, Exeter Holdings Trust 2022-6 and                  Citibank, N.A., as indenture trustee (the “Indenture Trustee”) (included in Exhibit 4.2 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                |
| 4.3            | Amended & Restated Trust Agreement for the Trust, dated as of November 15, 2022, between                  EFCAR and Wilmington Trust Company, as owner trustee (included in Exhibit 4.3 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                                     |
| 4.4            | Amended & Restated Trust Agreement for Exeter Holdings Trust 2022-6, dated as of November                  15, 2022, between the Trust and Wilmington Trust Company, as owner trustee (included in Exhibit 4.4 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                              |
| 4.5            | Sale and Servicing Agreement, dated as of November 15, 2022, among Exeter Holdings Trust                  2022-6, EFCAR, Exeter, as servicer, the Trust, and Citibank, N.A., as Indenture Trustee and backup servicer (included in Exhibit 4.5 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein                  by reference). |

| 4.6 | Amendment No. 1 to Sale and Servicing Agreement, dated as of April                    28, 2023, among Exeter Holdings Trust 2022-6, EFCAR, Exeter, Exeter Automobile Receivables Trust 2022-6 and Citibank, N.A. (included in Exhibit 4.9 to the Trust’s Form 8-K, as filed with the Commission on May 3, 2023, which is                    incorporated herein by reference). |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.1 | Purchase Agreement, dated as of November 15, 2022, between EFCAR, as purchaser, and Exeter, as                  seller (included in Exhibit 10.1 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                                                                                                           |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10.2 | Contribution Agreement, dated as of November 15, 2022, between Exeter Holdings Trust 2022-6,                  as transferee, and the Trust, as transferor (included in Exhibit 10.2 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                                                                        |
| 10.3 | Deposit Account Control Agreement, dated as of December 9, 2022, among Exeter, as servicer,                  the intercreditor agent, as secured party, and Wells Fargo Bank, as lockbox bank (included in Exhibit 10.3 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                                    |
| 10.4 | Asset Representations Review Agreement, dated as of November 15, 2022, among the Trust, as                  issuer, Exeter, as servicer, and Clayton Fixed Income Services LLC, as asset representations reviewer (included in Exhibit 10.4 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by                  reference).                               |
| 10.5 | Custodian Agreement, dated as of November 15, 2022, among Exeter, as custodian, Exeter, as                  servicer, and the Indenture Trustee (included in Exhibit 10.5 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which is incorporated herein by reference).                                                                                                                  |
| 10.6 | Intercreditor Agreement, dated as of December 9, 2022, among Exeter, Citibank, N.A., as the                  intercreditor agent, and by execution of an accession agreement, dated as of December 9, 2022, the Trust and the Indenture Trustee (included in Exhibit 10.6 to the Trust’s Form 8-K, as filed with the Commission on December 9, 2022, which                  is incorporated herein by reference). |

----

| 31.1* | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, dated March 28, 2024.                                                                                                            |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 33.1* | Report on Assessment of Compliance with Applicable Regulation AB Servicing Criteria for Exeter                Finance LLC, dated March 28, 2024.                                                          |
| 33.2* | Report on Assessment of Compliance with Applicable Servicing Criteria for Citibank, dated February 29, 2024.                                                                                         |
| 34.1* | Report of Independent Registered Public Accounting Firm of Ernst & Young LLP on Assessment of Compliance with                Servicing Criteria relating to Exeter Finance LLC, dated March 28, 2024. |
| 34.2* | Report of Independent Registered Public Accounting Firm of KPMG LLP on Assessment of Compliance with Servicing                Criteria relating to Citibank, dated February 29, 2024.                     |
| 35.1* | Servicer Compliance Statement, dated March 28, 2024, of Exeter Finance LLC.                                                                                                                               |

----

|                       | EFCAR, LLC      |
|----------------------------|-----------------|
|                       | (Depositor)     |
|                       |            |   |
|                       |            |   |
| Date:  March 28, 2024 | By:   | /s/ Ben Miller                                                                        |
|                       |            | Ben Miller |
|                       |            | Chief Executive Officer |
|                       |            | (Senior officer in charge of securitization of the depositor) |

----