# EDGAR Filing Document

**Accession Number:** 0002132838
**File Stem:** 0000929638-26-002238
**Filing Date:** 2026-6
**Character Count:** 4801
**Document Hash:** 96bd47cb94ad99698a72f90015ba819d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-002238.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0000929638-26-002238

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260616

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exeter Automobile Receivables Trust 2026-3
- **CENTRAL INDEX KEY:** 0002132838
- **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:** 333-292293-01
- **FILM NUMBER:** 261096243

**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 June 16, 2026

Registration Statement Nos. 333-292293 and 333-292293-01

\*\*PRICING DETAILS\*\* ~$1.2BN+ Offered Exeter Automobile Receivables Trust (EART) 2026-3 Subprime Auto ABS

Joint Bookrunners: Wells Fargo Securities (Str), Barclays, and JP Morgan

Co-Managers: Citi, Citizens, Deutsche Bank

-Anticipated Capital Structure-

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| CL | Size($MM) | Offered($MM) | S&P/M\* | WAL^ | P. WIN^ | E. MTY^ | L. MTY | BENCH | SPREAD | CPN% | YLD% | $PX |
| A-1 | $142.000 | $134.900 | A-1+/P-1 | 0.13 | 01-03 | 09/2026 | 07/2027 | I-CRV | + 38 | 4.046 | 4.046 | 100.00000 |
| A-2 | $236.220 | $224.409 | AAA/Aaa | 0.54 | 03-11 | 05/2027 | 12/2028 | I-CRV | + 60 | 4.360 | 4.401 | 99.99950 |
| A-3 | $267.470 | $254.096 | AAA/Aaa | 1.38 | 11-23 | 05/2028 | 07/2030 | I-CRV | + 59 | 4.470 | 4.512 | 99.99993 |
| B | $140.340 | $133.323 | AA/Aaa | 2.15 | 23-30 | 12/2028 | 03/2031 | I-CRV | + 70 | 4.700 | 4.753 | 99.98669 |
| C | $146.420 | $139.099 | A/Aa3 | 2.75 | 30-37 | 07/2029 | 10/2032 | I-CRV | + 90 | 4.920 | 4.975 | 99.98936 |
| D | $194.310 | $184.594 | BBB/Baa3 | 3.59 | 37-50 | 08/2030 | 10/2032 | I-CRV | + 140 | 5.440 | 5.505 | 99.99077 |
| E | $130.900 | $124.355 | BB-/NR | 4.52 | 50-57 | 03/2031 | 07/2034 | I-CRV | + 340 | 7.420 | 7.537 | 99.99539 |
| N | $34.410 | $32.689 | B/NR | 0.57 | 05-09 | 03/2027 | 07/2034 | I-CRV | + 295 | 6.660 | 6.754 | 99.99983 |

---

\* Expected Ratings

^ 1.50% ABS to 5.00% Clean-Up Call

-Transaction Summary-

Issued Size: $1.292BN+

Offered Size:$1.227BN+

Exp. Settle: On or about 06/24/2026

First Pay Date: 07/15/2026

Pxg Speed: 1.50% ABS to 5.00% Call

Offering Format: (Class A-D): SEC REG (Public) \| (Class E & N): 144A / Reg S / IAI

ERISA Eligible: (Class A-D): Yes \| (Class E & N): No

Exp. Ratings: S&P/Moody's

Min Denoms: (Class A-D): $1k x $1k \| (Class E): 1,984,000 x $1k (Upsize) \| (Class N): 1,720,000 x $1k (Upsize)

BBG Ticker: EART 2026-3

B&D: Wells Fargo Securities

-Available Information-

Preliminary Prospectus: Attached

Preliminary Offering Memorandum: Attached

Ratings FWP: Attached

Intex CDI: Attached

Intexnet Deal Name: wsexar2603_upsize \| Password: VVJ7

Dealroadshow: https://dealroadshow.com \| Code: EART20263

Dealroadshow Direct Link: https://dealroadshow.com/e/EART20263

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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 2026-3 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 1-800-645-3751.