---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-040495"
form_type: "8-K"
ticker: "VRM"
cik: "0001580864"
company_name: "Vroom, Inc."
filed_at: "2026-02-06T23:59:59+00:00"
generated_at: "2026-05-16T04:05:51.145267+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Vroom subsidiary UACC closes $225M auto loan securitization, notes rates 4.41%-7.77%

## Summary
- UACC sold $274.9M of subprime auto receivables to trust; trust issued $225M in five tranches of asset-backed notes.
- Note classes: A ($100.35M, 4.41%), B ($40.13M, 4.63%), C ($25.97M, 5.06%), D ($40M, 5.65%), E ($18.55M, 7.77%).
- UACC will service the receivables for a 3.25% annualized fee; residual certificates ($100K) retained for risk retention.
- ABS deal creates material long-term obligation; UACC is wholly owned subsidiary of Vroom, Inc. (VRM).

## SEC filing metadata
- accession: 0001193125-26-040495
- form_type: 8-K
- ticker: VRM
- cik: 0001580864
- company_name: Vroom, Inc.
- filed_at: 2026-02-06T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/0001193125-26-040495-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/vrm-20260205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-040495
- JSON: https://secwatch.observer/filing/0001193125-26-040495.json
- Plain text: https://secwatch.observer/filing/0001193125-26-040495.txt

## Key facts
- Debt Financings
  Vroom, Inc. incurred debt of $225,000,000 with Computershare Trust Company, N.A. (as indenture trustee).
  - Principal: $225,000,000
  - Counterparty: Computershare Trust Company, N.A. (as indenture trustee)
  - Event: incurrence
  source text: the Trust issued $225,000,000 of asset-backed notes with the following characteristics (collectively, the “ Notes ”):
  evidence_url: https://www.sec.gov/Archives/edgar/data/1580864/000119312526040495/0001193125-26-040495-index.htm

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