EXHIBIT 99.1
| | | |
2008-2 Wholesale Loan-to-Value(1) | |
LTV Range | | Percent of Aggregate
Principal Balance (2) | |
<100 | | 14.09 | % |
100-109 | | 14.60 | % |
110-119 | | 19.82 | % |
120-129 | | 22.36 | % |
130-139 | | 19.83 | % |
140-149 | | 6.81 | % |
150+ | | 2.50 | % |
| | | |
Weighted Average LTV | | 119 | % |
| (1) | Wholesale LTV is calculated using the total amount financed, which may include taxes, title fees and ancillary products over the wholesale auction value of the financed vehicle at the time the vehicle is financed. |
| (2) | A loan-to-value was not available or could not be calculated on certain loans and these loans are not included in the LTV table above. Since these loans are not included in the LTV table, the Aggregate Principal Balance may be less than the total statistical pool. |
2008-2 Distribution by Manufacturer
| | | | | | | | | | |
Manufacturer | | Aggregate Principal
Balance as of Cutoff
Date (1) | | Percent of Aggregate
Principal Balance (2) | | | Number of
Receivables | | Percent of Number of
Receivables (2) | |
Cadillac | | 9,137,982.37 | | 1.42 | % | | 432 | | 1.14 | % |
Chevrolet | | 110,406,818.04 | | 17.11 | % | | 6,734 | | 17.77 | % |
Chrysler | | 35,781,324.09 | | 5.55 | % | | 2,254 | | 5.95 | % |
Dodge | | 70,624,868.70 | | 10.95 | % | | 4,035 | | 10.65 | % |
Ford | | 97,349,986.46 | | 15.09 | % | | 5,793 | | 15.28 | % |
Gmc | | 15,489,254.62 | | 2.40 | % | | 783 | | 2.07 | % |
Honda | | 18,077,846.07 | | 2.80 | % | | 1,057 | | 2.79 | % |
Hyundai | | 17,342,646.24 | | 2.69 | % | | 1,120 | | 2.95 | % |
Jeep | | 23,783,390.67 | | 3.69 | % | | 1,367 | | 3.61 | % |
Kia | | 41,311,379.84 | | 6.40 | % | | 2,495 | | 6.58 | % |
Lincoln | | 6,444,293.60 | | 1.00 | % | | 324 | | 0.85 | % |
Mazda | | 9,184,242.54 | | 1.42 | % | | 571 | | 1.51 | % |
Mercedes | | 7,532,001.84 | | 1.17 | % | | 317 | | 0.84 | % |
Mercury | | 7,254,644.37 | | 1.12 | % | | 456 | | 1.20 | % |
Mitsubishi | | 10,773,942.90 | | 1.67 | % | | 649 | | 1.71 | % |
Nissan | | 51,017,795.39 | | 7.91 | % | | 2,681 | | 7.07 | % |
Pontiac | | 24,388,075.99 | | 3.78 | % | | 1,677 | | 4.42 | % |
Saturn | | 9,287,478.58 | | 1.44 | % | | 664 | | 1.75 | % |
Suzuki | | 10,298,356.69 | | 1.60 | % | | 635 | | 1.68 | % |
Toyota | | 25,701,264.71 | | 3.98 | % | | 1,422 | | 3.75 | % |
Other (3) | | 43,974,270.76 | | 6.82 | % | | 2,439 | | 6.43 | % |
| | | | | | | | | | |
Total | | 645,161,864.47 | | 100.00 | % | | 37,905 | | 100.00 | % |
| | | | | | | | | | |
| (1) | Aggregate Principal Balances include some portion of accrued interest. |
| (2) | Percentages may not add to 100% because of rounding. |
| (3) | Aggregate Principal Balance of less than 1% per manufacturer. |
DISTRIBUTION BY VEHICLE SEGMENT
| | | | | | | | | | | |
Vehicle Segment(1) | | Aggregate Principal
Balance as of Cutoff
Date (2) | | Percent of Aggregate
Principal Balance(3) | | | Number of
Receivables | | Percent of Number of
Receivables(3) | |
Full-size car | | | 5,788,379.01 | | 0.90 | % | | 379 | | 1.00 | % |
Full-size van/truck | | | 85,427,124.23 | | 13.24 | % | | 4,086 | | 10.78 | % |
Full-size SUV | | | 40,883,758.83 | | 6.34 | % | | 1,768 | | 4.66 | % |
Mid-size SUV | | | 143,307,738.71 | | 22.21 | % | | 8,011 | | 21.13 | % |
Compact van/truck | | | 53,576,092.68 | | 8.30 | % | | 3,419 | | 9.02 | % |
Economy/compact car | | | 105,602,113.31 | | 16.37 | % | | 7,550 | | 19.92 | % |
Mid-size car | | | 172,535,212.65 | | 26.74 | % | | 10,672 | | 28.15 | % |
Sports car | | | 35,659,455.73 | | 5.53 | % | | 1,880 | | 4.96 | % |
Segment Unavailable(4) | | | 2,381,989.32 | | 0.37 | % | | 140 | | 0.37 | % |
| | | | | | | | | | | |
TOTAL | | $ | 645,161,864.47 | | 100.00 | % | | 37,905 | | 100.00 | % |
| | | | | | | | | | | |
| (1) | Categories reflect consolidated categories based on J.D. Power defined segments. |
| (2) | Aggregate Principal Balances include some portion of accrued interest. |
| (3) | Percentages may not add to 100% because of rounding. |
| (4) | The vehicle segmentation was not available for certain accounts at the time of the statistical pool. |
AmeriCredit Corp.
Composition of the Receivables
2008-2 Final Cut
11/17/08*
| | | | | | | | | | | | |
| | | New | | | Used | | | Total | |
Aggregate Principal Balance (1) | | $ | 144,847,813.53 | | | $ | 500,314,050.94 | | | $ | 645,161,864.47 | |
| | | |
Number of Receivables in Pool | | | 6,648 | | | | 31,257 | | | | 37,905 | |
| | | |
Percent of Pool by Principal Balance | | | 22.45 | % | | | 77.55 | % | | | 100.00 | % |
| | | |
Average Principal Balance | | $ | 21,788.18 | | | $ | 16,006.46 | | | $ | 17,020.50 | |
Range of Principal Balances | | ($ | 250.41 to $63,055.39) | | | ($ | 275.88 to $75,212.02) | | | | | |
| | | |
Weighted Average APR (1) | | | 15.37 | % | | | 16.16 | % | | | 15.98 | % |
Range of APRs | | | (4.90% to 25.95%) | | | | (5.99% to 29.99%) | | | | | |
| | | |
Weighted Average Remaining Term | | | 63 | | | | 61 | | | | 61 | |
Range of Remaining Terms | | | (3 to 68 months) | | | | (3 to 68 months) | | | | | |
| | | |
Weighted Average Original Term | | | 72 | | | | 69 | | | | 70 | |
Range of Original Terms | | | (24 to 72 months) | | | | (24 to 72 months) | | | | | |
| (1) | Aggregate Principal Balance includes some portion of accrued interest. As a result, the Weighted Average APR of the Receivables may not be equivalent to the Contracts' aggregate yield on the Aggregate Principal Balance. |
Distribution of the Receivables by Score as of the Cutoff Date
| | | | | | | | | | |
| | | AmeriCredit Score (1) | | Percent of Aggregate
Principal Balance (3) | | | Credit Bureau Score (2) | | Percent of Aggregate
Principal Balance (3) | |
| | <215 | | 1.55 | % | | | | | |
| | 215-224 | | 8.77 | % | | <540 | | 8.69 | % |
| | 225-244 | | 43.12 | % | | 540-599 | | 31.67 | % |
| | 245-259 | | 27.55 | % | | 600-659 | | 45.07 | % |
| | 260+ | | 19.01 | % | | 660+ | | 14.56 | % |
| | | | | | | | | | |
Weighted Average Score | | 245 | | | 609 | |
| | | | | | |
| (1) | Proprietary credit score, scaled from 135 to 320, developed and utilized by AmeriCredit to support the credit approval and pricing process. |
| (2) | A statistically based score (sometimes referred to as FICO score) generated by credit reporting agencies. AmeriCredit utilizes TransUnion, Equifax or Experien credit reports depending on the location of the obligor. Credit Bureau Scores are unavailable for some accounts and those accounts are not included in the Credit Bureau Score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on Credit Bureau Score may be less than the total statistical pool. |
| (3) | Percentages may not add to 100% because of rounding. |
| * | Receivable information is through close of business on date indicated. |
AmeriCredit Corp.
Distribution of the Receivables by APR as of the Cutoff Date
2008-2 Final Cut
11/17/08*
Distribution of the Receivables by APR as of the Cutoff Date
| | | | | | | | | | |
APR Range (1) | | Aggregate Principal
Balance as of Cutoff
Date | | Percent of Aggregate
Principal Balance (2) | | | Number of
Receivables | | Percent of Number of
Receivables (2) | |
4.000%-4.999% | | 21,456.66 | | 0.00 | % | | 1 | | 0.00 | % |
5.000%-5.999% | | 53,889.95 | | 0.01 | % | | 4 | | 0.01 | % |
6.000%-6.999% | | 1,319,127.74 | | 0.20 | % | | 72 | | 0.19 | % |
7.000%-7.999% | | 1,882,402.52 | | 0.29 | % | | 101 | | 0.27 | % |
8.000%-8.999% | | 4,467,914.74 | | 0.69 | % | | 245 | | 0.65 | % |
9.000%-9.999% | | 10,189,268.64 | | 1.58 | % | | 568 | | 1.50 | % |
10.000%-10.999% | | 18,683,054.81 | | 2.90 | % | | 1,024 | | 2.70 | % |
11.000%-11.999% | | 28,322,785.22 | | 4.39 | % | | 1,543 | | 4.07 | % |
12.000%-12.999% | | 44,301,512.00 | | 6.87 | % | | 2,410 | | 6.36 | % |
13.000%-13.999% | | 58,567,479.57 | | 9.08 | % | | 3,176 | | 8.38 | % |
14.000%-14.999% | | 71,999,493.70 | | 11.16 | % | | 3,963 | | 10.46 | % |
15.000%-15.999% | | 81,367,170.87 | | 12.61 | % | | 4,492 | | 11.85 | % |
16.000%-16.999% | | 85,715,661.23 | | 13.29 | % | | 5,008 | | 13.21 | % |
17.000%-17.999% | | 71,455,536.86 | | 11.08 | % | | 4,358 | | 11.50 | % |
18.000%-18.999% | | 78,336,005.86 | | 12.14 | % | | 4,824 | | 12.73 | % |
19.000%-19.999% | | 33,771,174.95 | | 5.23 | % | | 2,286 | | 6.03 | % |
20.000%-20.999% | | 24,090,425.34 | | 3.73 | % | | 1,655 | | 4.37 | % |
21.000%-21.999% | | 17,850,332.14 | | 2.77 | % | | 1,232 | | 3.25 | % |
22.000%-22.999% | | 6,792,423.78 | | 1.05 | % | | 486 | | 1.28 | % |
23.000%-23.999% | | 3,602,153.23 | | 0.56 | % | | 269 | | 0.71 | % |
24.000%-24.999% | | 1,953,805.30 | | 0.30 | % | | 155 | | 0.41 | % |
25.000%-25.999% | | 351,039.26 | | 0.05 | % | | 27 | | 0.07 | % |
26.000%-26.999% | | 35,732.35 | | 0.01 | % | | 3 | | 0.01 | % |
27.000%-27.999% | | 15,985.75 | | 0.00 | % | | 1 | | 0.00 | % |
28.000%-28.999% | | 6,841.49 | | 0.00 | % | | 1 | | 0.00 | % |
29.000%-29.999% | | 9,190.51 | | 0.00 | % | | 1 | | 0.00 | % |
| | | | | | | | | | |
TOTAL | | 645,161,864.47 | | 100.00 | % | | 37,905 | | 100.00 | % |
| | | | | | | | | | |
| (1) | Aggregate Principal Balances include some portion of accrued interest. Indicated APR's represent APR's on Principal Balance net of such accrued interest. |
| (2) | Percentages may not add to 100% because of rounding. |
| * | Receivable information is through close of business on date indicated. |
AmeriCredit Corp.
Distribution of the Receivables by Geographic Location of Obligor
2008-2 Final Cut
11/17/08*
| | | | | | | | | | | |
State | | Aggregate Principal
Balance as of Cutoff
Date (1) | | Percent of Aggregate
Principal Balance (2) | | | Number of
Receivables | | Percent of Number of
Receivables (2) | |
Alabama | | | 12,589,034.62 | | 1.95 | % | | 733 | | 1.93 | % |
Alaska | | | 1,263,954.18 | | 0.20 | % | | 74 | | 0.20 | % |
Arizona | | | 18,186,929.36 | | 2.82 | % | | 954 | | 2.52 | % |
Arkansas | | | 7,283,278.63 | | 1.13 | % | | 438 | | 1.16 | % |
California | | | 30,595,708.58 | | 4.74 | % | | 1,666 | | 4.40 | % |
Colorado | | | 10,057,545.82 | | 1.56 | % | | 583 | | 1.54 | % |
Connecticut | | | 2,831,995.99 | | 0.44 | % | | 172 | | 0.45 | % |
Delaware | | | 2,630,601.49 | | 0.41 | % | | 164 | | 0.43 | % |
Florida | | | 48,993,171.20 | | 7.59 | % | | 2,854 | | 7.53 | % |
Georgia | | | 26,389,755.53 | | 4.09 | % | | 1,452 | | 3.83 | % |
Hawaii | | | 1,995,728.16 | | 0.31 | % | | 119 | | 0.31 | % |
Idaho | | | 1,300,234.87 | | 0.20 | % | | 84 | | 0.22 | % |
Illinois | | | 24,414,108.14 | | 3.78 | % | | 1,466 | | 3.87 | % |
Indiana | | | 24,786,198.67 | | 3.84 | % | | 1,561 | | 4.12 | % |
Iowa | | | 3,141,817.07 | | 0.49 | % | | 200 | | 0.53 | % |
Kansas | | | 2,480,089.02 | | 0.38 | % | | 151 | | 0.40 | % |
Kentucky | | | 18,502,575.62 | | 2.87 | % | | 1,122 | | 2.96 | % |
Louisiana | | | 7,969,120.89 | | 1.24 | % | | 444 | | 1.17 | % |
Maine | | | 1,614,898.48 | | 0.25 | % | | 115 | | 0.30 | % |
Maryland | | | 9,734,103.25 | | 1.51 | % | | 570 | | 1.50 | % |
Massachusetts | | | 6,150,810.57 | | 0.95 | % | | 410 | | 1.08 | % |
Michigan | | | 19,986,928.75 | | 3.10 | % | | 1,335 | | 3.52 | % |
Minnesota | | | 3,847,847.26 | | 0.60 | % | | 258 | | 0.68 | % |
Mississippi | | | 6,940,462.26 | | 1.08 | % | | 397 | | 1.05 | % |
Missouri | | | 8,353,190.41 | | 1.29 | % | | 537 | | 1.42 | % |
Nebraska | | | 1,406,836.05 | | 0.22 | % | | 93 | | 0.25 | % |
Nevada | | | 10,049,510.58 | | 1.56 | % | | 515 | | 1.36 | % |
New Jersey | | | 14,120,506.05 | | 2.19 | % | | 834 | | 2.20 | % |
New Mexico | | | 4,985,734.31 | | 0.77 | % | | 281 | | 0.74 | % |
New York | | | 36,552,444.60 | | 5.67 | % | | 1,958 | | 5.17 | % |
North Carolina | | | 17,892,878.07 | | 2.77 | % | | 1,084 | | 2.86 | % |
Ohio | | | 51,666,771.36 | | 8.01 | % | | 3,439 | | 9.07 | % |
Oklahoma | | | 6,651,507.14 | | 1.03 | % | | 396 | | 1.04 | % |
Oregon | | | 4,074,459.81 | | 0.63 | % | | 260 | | 0.69 | % |
Pennsylvania | | | 30,690,765.64 | | 4.76 | % | | 1,954 | | 5.15 | % |
South Carolina | | | 5,570,025.04 | | 0.86 | % | | 339 | | 0.89 | % |
Tennessee | | | 19,274,161.79 | | 2.99 | % | | 1,066 | | 2.81 | % |
Texas | | | 99,469,668.14 | | 15.42 | % | | 5,290 | | 13.96 | % |
Utah | | | 2,403,178.71 | | 0.37 | % | | 132 | | 0.35 | % |
Virginia | | | 10,084,425.94 | | 1.56 | % | | 626 | | 1.65 | % |
Washington | | | 6,627,653.56 | | 1.03 | % | | 390 | | 1.03 | % |
West Virginia | | | 9,635,794.49 | | 1.49 | % | | 587 | | 1.55 | % |
Wisconsin | | | 6,477,574.50 | | 1.00 | % | | 454 | | 1.20 | % |
Wyoming | | | 1,141,379.08 | | 0.18 | % | | 60 | | 0.16 | % |
Other (3) | | | 4,346,500.79 | | 0.67 | % | | 288 | | 0.76 | % |
| | | | | | | | | | | |
TOTAL | | $ | 645,161,864.47 | | 100.00 | % | | 37,905 | | 100.00 | % |
| | | | | | | | | | | |
| (1) | Aggregate Principal Balances include some portion of accrued interest. |
| (2) | Percentages may not add to 100% because of rounding. |
| (3) | States with aggregate principal balances less than $1,000,000. |
| * | Receivable information is through close of business on date indicated. |
