• Vroom's October 13, 2026, amendment increased Senior Secured Delayed Draw Convertible Notes due 2032 commitments to $60 million from $50 million.
• Mudrick Capital Management and Annox Capital provided the increased commitments; all other material terms remained unchanged.
• Wholly owned subsidiary United Auto Credit completed a securitization on October 15, 2026, with the trust issuing $234.23 million in asset-backed notes.
• The notes are secured by approximately $292.06 million of subprime auto receivables, with fixed interest rates ranging from 5.09% to 9.59%.
• Monthly principal and interest payments are obligations solely of United Auto Credit Securitization Trust 2026-2, not United Auto Credit or its depositor.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Vroom Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-422899), on October 15, 2026, and is solely responsible for the information contained therein.