---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-039035"
form_type: "8-K"
ticker: "VRM"
cik: "0001580864"
company_name: "Vroom, Inc."
filed_at: "2025-03-14T23:59:59+00:00"
generated_at: "2026-05-24T18:17:27.274382+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Vroom subsidiary UACC closes $324M auto loan ABS transaction

## Summary
- UACC sold $382M subprime auto receivables to trust; trust issued $324M in notes across 5 classes (4.80%-7.71%).
- 12% of receivables came from affiliate Vroom Automotive, LLC.
- UACC retains at least 5% of each note class for risk retention under Regulation RR.
- UACC will service the receivables for a monthly fee equal to 3.25% of aggregate principal balance.
- Events of default include payment failure, breach, or bankruptcy; indenture trustee may accelerate notes.

## SEC filing metadata
- accession: 0000950170-25-039035
- form_type: 8-K
- ticker: VRM
- cik: 0001580864
- company_name: Vroom, Inc.
- filed_at: 2025-03-14T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 1.01, 2.03
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1580864/000095017025039035/0000950170-25-039035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1580864/000095017025039035/vrm-20250313.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-039035
- JSON: https://secwatch.observer/filing/0000950170-25-039035.json
- Plain text: https://secwatch.observer/filing/0000950170-25-039035.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.