##### 



EXHIBIT 20 Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
October 2005 Original InputsTotal Pool Balance
    
$
    
    3,313,888,879.69Class A-1 Notes Balance
    
$
    
    550,000,000.00Class A-1 Notes Rate
    

    One Month LIBOR + 0.01
    %Class A-2a Notes Balance
    
$
    
    450,000,000.00Class A-2a Notes Rate
    

    One Month LIBOR + 0.04
    %Class A-2b Notes Balance
    
$
    
    250,000,000.00Class A-2b Notes Rate
    

    
    3.730
    %Class A-3 Notes Balance
    
$
    
    600,000,000.00Class A-3 Notes Rate
    

    One Month LIBOR + 0.06
    %Class A-4 Notes Balance
    
$
    
    760,000,000.00Class A-4 Notes Rate
    

    
    4.050
    %Class A-5 Notes Balance
    
$
    
    229,825,000.00Class A-5 Notes Rate
    

    One Month LIBOR + 0.10
    %Class B Notes Balance
    
$
    
    122,803,000.00Class B Notes Rate
    

    One Month LIBOR + 0.375
    %Class C Notes Balance
    
$
    
    46,051,000.00Class C Notes Rate
    

    
    4.730
    %Class D Notes Balance
    
$
    
    30,701,000.00Class D Notes Rate
    

    
    6.500
    %Overcollateralization
    
$
    
    30,701,224.17Reserve Account Deposit
    
$
    
    15,350,406.12Part I. CollectionsReceipts During the Period
    
$
    
    108,259,798.77Principal on Repurchased Contracts
    

    
    3,914,227.44Liquidation Proceeds (Recoveries)



1,264,883.37Schedule and Simple Interest Payments Advanced
    

    
    563,012.33Schedule Principal Advanced
    

    
    1,046,460.58Total Collections For the Period
    
$
    
    115,048,382.49Beginning Pool Aggregate Principal Balance
    
$
    
    2,727,303,097.05Ending Pool Aggregate Principal Balance
    
$
    
    2,620,732,835.38Scheduled Principal Collection
    
$
    
    89,959,939.02Beginning Aggregate Discounted Principal Balance
    
$
    
    2,539,795,194.78Ending Aggregate Discounted Principal Balance
    
$
    
    2,443,232,363.90Part II. Distributions to Noteholders and CertificateholdersTotal Collections
    
$
    
    115,048,382.49Plus: Reserve Account Draw
    

    
    Plus: Net Amount Due From Swap Counterparty
    

    
    317,773.20Less: Total Servicing Fee
    

    
    4,545,505.16Less: Net Amount Due to Swap Counterparty
    

    
    Less: Monthly Interest Due to Noteholders
    

    
    8,337,895.97Less: Principal Due to Noteholders
    

    
    96,562,830.88Less: Reserve Account Deposit
    

    
    Less: Accumulation Account Deposit
    

    
    Equals Reserve Fund Excess to be released to CARI
    
$
    
    5,919,923.68
 Page 1




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
October 2005 Per $1000 ofOriginal PrincipalClass A-1 Notes Distributable AmountMonthly Interest
    
    $
    63,205.18
    
    
    
    0.114919Monthly Principal
    
    
    19,713,970.61
    
    
    
    35.843583Distributable Amount
    
    $
    19,777,175.79Class A-2a Notes Distributable AmountMonthly Interest
    
    $
    1,453,625.00
    
    
    
    3.230278Monthly Principal
    
    
    49,402,838.75
    
    
    
    109.784086Distributable Amount
    
    $
    50,856,463.75Class A-2b Notes Distributable AmountMonthly Interest
    
    $
    777,083.33
    
    
    
    3.108333Monthly Principal
    
    
    27,446,021.53
    
    
    
    109.784086Distributable Amount
    
    $
    28,223,104.86Class A-3 Notes Distributable AmountMonthly Interest
    
    $
    1,947,833.33
    
    
    
    3.246389Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    1,947,833.33Class A-4 Notes Distributable AmountMonthly Interest
    
    $
    2,565,000.00
    
    
    
    3.375000Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    2,565,000.00Class A-5 Notes Distributable AmountMonthly Interest
    
    $
    753,506.80
    
    
    
    0.991456Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    753,506.80Class B Notes Distributable AmountMonthly Interest
    
    $
    429,827.56
    
    
    
    3.500139Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    429,827.56Class C Notes Distributable AmountMonthly Interest
    
    $
    181,517.69
    
    
    
    3.941667Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    181,517.69Class D Notes Distributable AmountMonthly Interest
    
    $
    166,297.08
    
    
    
    5.416667Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    166,297.08Total Servicing Fee
    
    $
    4,545,505.16
    
    
    
    1.371653
 Page 2




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
October 2005 Part III. Payment Ahead and AdvancesPayment Ahead Servicing AccountBeginning Payment Ahead Balance
    
    $
    5,773,231.62Less: Payments Applied
    
    
    1,313,817.00Current Period Payments Ahead Received
    
    
    1,407,440.94Ending Payment Ahead Balance
    
    $
    5,866,855.56Advance AccountBeginning Outstanding Unreimbursed Scheduled Principal and Interest Advances
    
    $
    2,712,107.50Beginning Outstanding Unreimbursed Simple Interest Advances
    
    
    1,347,925.40Scheduled Principal and Interest Advances
    
    
    1,238,573.38Simple Interest Advances
    
    
    370,899.53Reimbursement of Previous Scheduled Principal and Interest Advances
    
    
    1,019,089.75Reimbursement of Previous Simple Interest Advances
    
    
    Ending Outstanding Unreimbursed Scheduled Principal and Interest Advances
    
    $
    2,931,591.13Ending Outstanding Unreimbursed Simple Interest Advances
    
    $
    1,718,824.93Part IV. Balances & Principal FactorsBeginning of Period
    
    
    End of PeriodTotal Pool Balance
    
    $
    2,727,303,097.05
    
    
    $
    2,620,732,835.38Total Pool Factor
    
    
    0.8229917
    
    
    
    0.7908330Class A-1 Notes Balance
    
    $
    19,713,970.61
    
    
    $
    Class A-1 Notes Principal Factor
    
    
    0.0358436
    
    
    
    Class A-2a Notes Balance
    
    $
    450,000,000.00
    
    
    $
    400,597,161.26Class A-2a Notes Principal Factor
    
    
    1.0000000
    
    
    
    0.8902159Class A-2b Notes Balance
    
    $
    250,000,000.00
    
    
    $
    222,553,978.48Class A-2b Notes Principal Factor
    
    
    1.0000000
    
    
    
    0.8902159Class A-3 Notes Balance
    
    $
    600,000,000.00
    
    
    $
    600,000,000.00Class A-3 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class A-4 Notes Balance
    
    $
    760,000,000.00
    
    
    $
    760,000,000.00Class A-4 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class A-5 Notes Balance
    
    $
    229,825,000.00
    
    
    $
    229,825,000.00Class A-5 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class B Notes Balance
    
    $
    122,803,000.00
    
    
    $
    122,803,000.00Class B Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class C Notes Balance
    
    $
    46,051,000.00
    
    
    $
    46,051,000.00Class C Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class D Notes Balance
    
    $
    30,701,000.00
    
    
    $
    30,701,000.00Class D Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000
 Page 3




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
October 2005 Part V. Reserve Account Per $1000 ofOriginal PrincipalBeginning Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Draw for Servicing Fee
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-1a Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-1b Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-2 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-3 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-4 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class B Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class C Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class D Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Additions to Reserve Account (for Accumulation Account)
    
    
    
    
    
    
    
    
    
    
    Additions to Reserve Account
    
    
    
    
    
    
    
    
    
    
    Releases from Reserve Account
    
    
    
    
    
    
    
    
    
    
    Ending Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Early Amortization Trigger:Reserve Account Balance is less than the Specified Reserve
Account Balance for Two Consecutive MonthsPreceding Collection PeriodSpecified Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Current Collection PeriodSpecified Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Part VI. Carryover ShortfallPer $1000 ofOriginal PrincipalNoteholders Interest Carryover Shortfall
    
    
    
    
    
    $
    
    
    
    
    Noteholders Principal Carryover Shortfall
    
    
    
    
    
    $
    
    
    
    
    Part VII. Charge Off and Delinquency RatesCharge Off Rate
    
    Average Receivables
    
    

Net
Charge-Offs
    
    
    Loss RateOctober 2005
    
    $
    2,674,017,966.22
    
    
    $
    955,441.68
    
    
    
    0.4288
    %September 2005
    
    $
    2,782,587,827.89
    
    
    $
    815,133.27
    
    
    
    0.3515
    %August 2005
    
    $
    2,900,272,072.86
    
    
    $
    764,218.55
    
    
    
    0.3162
    %Three Month Average Loss Rate
    
    
    
    
    
    
    
    
    
    
    0.3655
    %Delinquency Rate*
    
    Total Accounts
    
    
    Accounts Over 60
    
    
    % DelinquentOctober 2005
    
    
    169,160
    
    
    
    789
    
    
    
    0.4664
    %September 2005
    
    
    173,080
    
    
    
    724
    
    
    
    0.4183
    %August 2005
    
    
    176,523
    
    
    
    649
    
    
    
    0.3677
    %Three Month Average Delinquency Rate
    
    
    
    
    
    
    
    
    
    
    0.4175
    %
 * Includes delinquencies on Hurricane accounts held in special handling. The delinquency detail on the Hurricane accounts only is as follows: Hurricane AccountsOctober
Accounts Over 60
    
    
    
    
    
    
    75 Page 4




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
October 2005 Part VIII. Prepayment Rate Month
    
    Prepayment Rate1
    
    
    0.728%2
    
    
    1.980%3
    
    
    1.570%4
    
    
    1.811%5
    
    
    1.410%6
    
    
    1.330%
 Page 5