# EDGAR Filing Document

**Accession Number:** 0002092555
**File Stem:** 0001104659-25-114587
**Filing Date:** 2025-11
**Character Count:** 4888
**Document Hash:** b4b79b65b90c1880ff7f57d25a4e1d68
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-114587.hdr.sgml**: 20251120

**ACCESSION NUMBER**: 0001104659-25-114587

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20251120

**DATE AS OF CHANGE**: 20251120

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ford Credit Auto Owner Trust 2025-C
- **CENTRAL INDEX KEY:** 0002092555
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-281130-03
- **FILM NUMBER:** 251502849

**BUSINESS ADDRESS:**
- **STREET 1:** C/O FORD MOTOR CO , WHQ STE 801-C1
- **STREET 2:** ONE AMERICAN ROAD
- **CITY:** DEARBORN
- **STATE:** MI
- **ZIP:** 48126
- **BUSINESS PHONE:** 3135943495

**MAIL ADDRESS:**
- **STREET 1:** C/O FORD MOTOR CO , WHQ STE 801-C1
- **STREET 2:** ONE AMERICAN ROAD
- **CITY:** DEARBORN
- **STATE:** MI
- **ZIP:** 48126
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ford Credit Auto Owner Trust 2025-C
- **CENTRAL INDEX KEY:** 0002092555
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** C/O FORD MOTOR CO , WHQ STE 801-C1
- **STREET 2:** ONE AMERICAN ROAD
- **CITY:** DEARBORN
- **STATE:** MI
- **ZIP:** 48126
- **BUSINESS PHONE:** 3135943495

**MAIL ADDRESS:**
- **STREET 1:** C/O FORD MOTOR CO , WHQ STE 801-C1
- **STREET 2:** ONE AMERICAN ROAD
- **CITY:** DEARBORN
- **STATE:** MI
- **ZIP:** 48126

**Free Writing Prospectus<br> Filed Pursuant to Rule 433<br> Dated November 18, 2025<br> Registration Statement Nos. 333-281130 and<br> 333-281130-03**

\*FULL PRICING\* $1.031+BN (Offered) Ford Credit Auto Owner Trust (FORDO 2025-C) Prime Auto Loan ABS

Active Leads: Citi (Str.), BNP Paribas, CIBC<br> Passive Leads: Barclays, J.P. Morgan<br> Passive Co-Managers: Santander, U.S. Bank<br> Active Co-Managers: IPA, Seelaus

--Anticipated Capital Structure--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| CL | SIZE (MM) | WAL\* | F/S\*\* | P.WIN\* | E. MTY\* | L. MTY | BENCH | SPREAD | YIELD | CPN | PRICE |
| A-1 | $240.000 | 0.30 | F1+/A-1+ | 1-7 | 06/15/2026 | 12/15/2026 | I-Curve | +14 | 3.993 | 3.993 | 100.00000 |
| A-2A | $220.000 | 1.07 | AAA/AAA | 7-20 | 07/15/2027 | 09/15/2028 | I-Curve | +36 | 4.024 | 3.99 | &nbsp;&nbsp;&nbsp;&nbsp;99.99942 |
| A-2B | $128.000 | 1.07 | AAA/AAA | 7-20 | 07/15/2027 | 09/15/2028 | SOFR30A | +36 |  |  | 100.00000 |
| A-3 | $348.000 | 2.34 | AAA/AAA | 20-39 | 02/15/2029 | 06/15/2030 | I-Curve | +35 | 3.939 | 3.90 | &nbsp;&nbsp;&nbsp;&nbsp;99.98440 |
| A-4 | $64.000 | 3.41 | AAA/AAA | 39-42 | 05/15/2029 | 01/15/2032 | I-Curve | +41 | 4.022 | 3.98 | &nbsp;&nbsp;&nbsp;&nbsp;99.97239 |
| B | $31.580 | 3.47 | AA/AA | 42-42 | 05/15/2029 | 01/15/2032 | I-Curve | +65 | 4.266 | 4.22 | &nbsp;&nbsp;&nbsp;&nbsp;99.97250 |
| C | $21.050 | 3.47 | NR/NR | 42-42 | 05/15/2029 | 05/15/2033 |  |  |  |  |  |

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\*Assumes a 1.30% ABS prepayment assumption priced to a 10% Clean Up Call

\*\*Expected ratings

\*\*\*Class A-2A and A-2B will be sized to demand; the Class A-2B will not exceed 75% of the aggregate Class A-2

\*NO GROW\*

-Deal Summary-

---

| | | |
|:---|:---|:---|
| Deal Size | : $1,031.58mm \*NO GROW\* |  |
| Exp. Settle | : November 25, 2025 |  |
| Offering Format | : SEC Registered |  |
| First Pay Date | : December 15, 2025 |  |
| ERISA | : Yes |  |
| Exp. Ratings | : Fitch / S&P |  |
| Min Denoms | : $1K x $1K |  |
| BBG Ticker | : FORDO 2025-C |  |
| B&D | : Citi |  |
| Delivery | : DTC, Clearstream |  |
| -Available Information- | -Available Information- |  |
| \* Preliminary Prospectus, Rating FWP and CDI File (attached) | \* Preliminary Prospectus, Rating FWP and CDI File (attached) |  |
| \* Intex Deal Name | : XFAOT25C | Password: KAB2 |

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The issuer 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 the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Website at www.sec.gov. Alternatively, the issuer, 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.