# EDGAR Filing Document

**Accession Number:** 0001654238
**File Stem:** 0000929638-26-000208
**Filing Date:** 2026-1
**Character Count:** 4564
**Document Hash:** dfd1bd16ba7de339e9ef7c2d8040882e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000208.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0000929638-26-000208

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260121

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exeter Automobile Receivables Trust 2026-1
- **CENTRAL INDEX KEY:** 0002101848
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-268757-19
- **FILM NUMBER:** 26549494

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFCAR, LLC
- **CENTRAL INDEX KEY:** 0001654238
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 453969432
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063

Free Writing Prospectus

Filed Pursuant to Rule 433

Dated January 21, 2026

Registration Statement Nos. 333-268757 and 333-268757-19

\*\*Full Pricing Details\*\* $1.098+bn ($1,043.840mm Offered) Exeter (EART 2026-1) Automobile Receivables Trust

Joint Leads: Citi (Str.), Deutsche Bank, and Wells Fargo

Co-Managers: BMO, Citizens, and Mizuho

-- Anticipated Capital Structure --

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| CL  | SIZE($MM) | OFFRD($MM) | WAL\* | S/M\*\* | P.WIN\* | E MTY.\* | L MTY. | BNCH Spread | Yield(%) | Coupon(%) | Price |
| A1 | 94.200 | 89.490 | 0.12 | A-1+/P-1 | 1-3 | 04/26 | 01/15/27 | I-CRV +21 | 3.895 | 3.895 | 100.00000 |
| A2 | 241.000 | 228.950 | 0.55 | AAA/Aaa | 3-12 | 01/27 | 09/15/28 | I-CRV +49 | 4.118 | 4.08 | 99.99845 |
| A3 | 226.420 | 215.099 | 1.46 | AAA/Aaa | 12-24 | 01/28 | 03/15/30 | I-CRV +51 | 4.067 | 4.03 | 99.99595 |
| B | 118.510 | 112.584 | 2.22 | AA/Aaa | 24-30 | 07/28 | 10/15/30 | I-CRV +65 | 4.258 | 4.22 | 99.99865 |
| C | 123.000 | 116.850 | 2.80 | A/Aa3 | 30-38 | 03/29 | 05/17/32 | I-CRV +80 | 4.445 | 4.40 | 99.98861 |
| D | 162.310 | 154.194 | 3.61 | BBB/Baa3 | 38-50 | 03/30 | 05/17/32 | I-CRV +135 | 5.061 | 5.00 | 99.97235 |
| E | 103.340 | 98.173 | 4.48 | BB-/NR | 50-56 | 09/30 | 08/15/33 | I-CRV +300 | 6.785 | 6.69 | 99.99639 |
| N^ | 30.000 | 28.500 | 0.93 | B/NR | 9-13 | 02/27 | 08/15/33 | I-CRV +300 | 6.542 | 6.45 | 99.99634 |

---

\*WAL Pricing Speed: 1.50% ABS to 5% call

\*\*Expected Ratings

^Based on Case 2 assumptions outlined in the OM

- TRANSACTION SUMMARY -

Size : $1.098+bn ($1.043+bn Offered) \*NO GROW\*

Exp Ratings : S&P / Moody's

Exp Settle : January 28th, 2026

First Pay : February 17th, 2026

ERISA : A-D = YES; E, N = NO

Registration : A-D = Public; E, N = 144A/Reg S

Min Denoms : A-D = $1k x $1k; E = $1.590mm x $1k; N = $1.579mm x $1k

BBG Ticker : EART 2026-1

B&D : Citi

-Available Information-

\* Preliminary Prospectus, Ratings FWP, Offering Memorandum Class E & N, and CDI File (attached)

\* Intex Deal Name: XEXAR2601 \| Password: 4XX4

\* Deal Roadshow Link: https://dealroadshow.com/e/EART20261 \| Passcode: EART20261

-------------------------------------------------------------------------------

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 2026-1 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 1-800-831-9146.