# Auto Credit Intelligence · Curves ever 60+ and ever extended by month on book for any lender, band and vintage; combine or separate lenders; post composer. Live page: https://getbookiq.com/intel/#curves --- CURVES: ANY LENDER, ANY BAND, ANY VINTAGE, ONE CHART Pick who you want to see and what you want to see. Every line is counted from individual loans in the 48 trusts on this desk and divided at the last moment, so lenders can be combined or drawn side by side, score bands stacked or isolated, and vintages compared at the same age. Nothing on this screen is precomputed; the cells underneath are downloadable. LENDERS all ALLY BRIDGECREST CARMAX CARVANA EXETER FORD GM FINANCIAL GM FINANCIAL (AMERICREDIT) HONDA HYUNDAI NISSAN SANTANDER VOLKSWAGEN WORLD OMNI combine into one line one line per lender SCORE BAND AT ORIGINATION all DEEP SUBPRIME 300 TO 540 SUBPRIME 541 TO 600 NEAR PRIME 601 TO 660 PRIME 661 TO 780 SUPER PRIME 781 TO 900 NO SCORE ON TAPE WHAT TO DRAW by month on book (vintages) by calendar month (the index) EVER 60+ DAYS PAST DUE, % OF LOANS EVER EXTENDED, % OF LOANS CHARGED OFF AFTER FIRST 60+, % OF THOSE LOANS CHARGED OFF AFTER FIRST EXTENSION, % OF THOSE LOANS VINTAGES all   none twelve months to June calendar year origination quarter 2021 2022 2023 2024 2025 2026 months on book up to 36 min loans at risk 200 2024 (to Jun) · 115,183 loans · 9 trusts 2025 (to Jun) · 129,486 loans · 11 trusts Sourced from 244,669 individual loans from 14 lenders, Ally, Bridgecrest, CarMax, Carvana, Exeter, Ford, GM Financial, GM Financial (AmeriCredit), Honda, Hyundai, Nissan, Santander, Volkswagen, World Omni, below prime (300 to 660). Each lender's trusts file a loan-level Form ABS-EE on SEC EDGAR every month; this page reads those filings directly. EVER 60+ DAYS PAST DUE, % OF LOANS 0.0% 10.4% 20.9% 31.3% 41.8% 0 5 10 15 20 25 30 MONTHS ON BOOK SINCE ORIGINATION WHAT THE LINES SAY, FROM THE POINTS ABOVE At 21 months on book, the highest is 2025 (to Jun) at 28.1% and the lowest is 2024 (to Jun) at 26.5% (ever 60+ days past due, % of loans). 2025 (to Jun) is 1.6 points above 2024 (to Jun) at that point, on 60,122 and 97,735 loans still observed. They first separate by a full point at 18 months on book. The latest vintage, 2025 (to Jun), is above 2024 (to Jun) by 1.6 points at 21 months on book. SERIES LOANS M6 M12 M13 M18 M24 M36 LAST POINT TRUSTS 2024 (to Jun) 115,183 4.7% 14.6% 16.0% 22.5% 29.6% – m32: 38.7% 9 2025 (to Jun) 129,486 3.9% 14.4% 16.1% 23.7% – – m21: 28.1% 11 Compose a post from these numbers Download these lines as CSV Download every cell How each point is made. ever 60+ days past due by month on book; at risk = loans observed to at least that month. Counts of loans, never balances. only loans first observed within 3 months of origination enter the month-on-book cells. A point is drawn only while at least 40% of the cohort and 200 loans are still observed, which is why younger vintages stop earlier. Charge-off is first month with charge-off principal reported or zero-balance code 4. What a tape cannot show. loans that paid off or charged off before a pool's cutoff never appear on any tape, and a tape ends at the clean-up call. The published versions of these charts carry the same limits and do not say so. Built 2026-09-06.