Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer



	Deal Information

1. Distribution Summary	Deal:	Capital Auto Receivables Asset Trust 2016-1

2. Factor Summary	Asset Type:	Consumer Retail

3. Interest Summary	Initial Closing Date:	3/16/2016

4. Collections and Distributions	Bloomberg Ticker:	AFIN 2016-1

5. Collateral Summary	Collection Period, Begin:	12/1/2019
	Collection Period, End:	12/31/2019
6. Charge-Off and Delinquency Rates	Determination Date:	1/15/2020
	Distribution Date:	1/21/2020
7. Credit Instruments
	ABS Investor Relations - Ally Financial Inc. as Servicer:
8. Performance Tests	Telephone:	(866) 710-4623
	E-Mail:	securitization@ally.com

Page 1 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

1. Distribution Summary



Class	CUSIP	Initial Note	Beginning Note	Note Rate	Principal	Interest	Total	Principal	Interest	Ending Note
		Principal Balance	Principal Balance		Distribution	Distribution	Distribution	Carryover Shortfall	Carryover Shortfall	Principal Balance
							(3) + (4) = (5)			(1) - (3) - (6) = (8)
			(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
A-1	13975NAA1	247,000,000.00	0.00	0.75000000	0.00	0.00	0.00	0.00	0.00	0.00
A-2a	13975NAB9	105,000,000.00	0.00	1.50000000	0.00	0.00	0.00	0.00	0.00	0.00
A-2b	13975NAH6	195,000,000.00	0.00	2.46463000	0.00	0.00	0.00	0.00	0.00	0.00
A-3	13975NAC7	242,000,000.00	0.00	1.73000000	0.00	0.00	0.00	0.00	0.00	0.00
A-4	13975NAD5	85,660,000.00	0.00	1.98000000	0.00	0.00	0.00	0.00	0.00	0.00
B	13975NAE3	38,360,000.00	0.00	2.67000000	0.00	0.00	0.00	0.00	0.00	0.00
C	13975NAF0	38,360,000.00	26,798,305.26	3.34000000	7,655,101.57	74,588.62	7,729,690.19	0.00	0.00	19,143,203.69
D	13975NAG8	39,900,000.00	39,900,000.00	4.03000000	0.00	133,997.50	133,997.50	0.00	0.00	39,900,000.00
Deal Totals		991,280,000.00	66,698,305.26		7,655,101.57	208,586.12	7,863,687.69	0.00	0.00	59,043,203.69

*Pursuant to Section 8.01 of the Trust Sale and Servicing Agreement, Ally Financial Inc. as Servicer will exercise the Optional Purchase and will effect the redemption of the outstanding Notes by depositing in the Collection Account when required an amount equal to the greater of (a) the remaining unpaid Principal Balance of the Notes, plus accrued and unpaid interest, and any accrued and unpaid Basic Servicing Fee payments, and (b) the unpaid Aggregate Receivables Principal Balance plus accrued and unpaid interest.

Page 2 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

2. Factor Summary

(Amount per $1,000 of Original Principal)



Class	Beginning Note Pool	Principal Distribution	Interest Distribution	Total Distribution	Interest Carryover	Ending Note Pool
	Factor	Factor	Factor	Factor	Shortfall Factor	Factor
A-1	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
A-2a	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
A-2b	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
A-3	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
A-4	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
B	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000	0.0000000
C	698.6002414	199.5594778	1.9444374	201.5039153	0.0000000	499.0407636
D	1,000.0000000	0.0000000	3.3583333	3.3583333	0.0000000	1,000.0000000



Beginning Aggregate Note Pool Factor:	67.2850307
Ending Aggregate Note Pool Factor:	59.5625895

Beginning Reserve Account Balance Factor:	1,000.0000000
Reserve Account Draw, distributed to Noteholders, Factor:	0.0000000
Reserve Account Draw, distributed to Certificateholders, Factor:	0.0000000
Ending Reserve Account Balance Factor:	1,000.0000000

Page 3 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

3. Interest Summary

A. Target Interest Summary

Class

Beginning Note Principal Balance

Interest Accrual Period, Start

Interest Accrual Period, End

Accrual Methodology

Applicable Index

Margin

Fixed

Note Rate

Target Interest Distribution

A-1

0.00

12/20/2019

1/20/2020

Actual/360

N/A

0.75000000

0.00

A-2a

0.00

12/20/2019

1/20/2020

30/360

N/A

1.50000000

0.00

A-2b

0.00

12/20/2019

1/20/2020

Actual/360

1.76463000

0.70000000

N/A

2.46463000

0.00

A-3

0.00

12/20/2019

1/20/2020

30/360

N/A

1.73000000

0.00

A-4

0.00

12/20/2019

1/20/2020

30/360

N/A

1.98000000

0.00

12/20/2019

1/20/2020

30/360

N/A

2.67000000

0.00

26,798,305.26

12/20/2019

1/20/2020

30/360

N/A

3.34000000

74,588.62

39,900,000.00

12/20/2019

1/20/2020

30/360

N/A

4.03000000

133,997.50

B. Interest Payment Amount Summary



Class	Beginning Unpaid Interest Carryover Shortfall	Target Interest Distribution	Interest Shortfall Amount Allocated/(Repaid)	Actual Interest Distribution (2) - (3) = (4)	Remaining Unpaid Interest Carryover Shortfall (1) - (3) = (5)
	(1)	(2)	(3)	(4)	(5)
A-1	0.00	0.00	0.00	0.00	0.00
A-2a	0.00	0.00	0.00	0.00	0.00
A-2b	0.00	0.00	0.00	0.00	0.00
A-3	0.00	0.00	0.00	0.00	0.00
A-4	0.00	0.00	0.00	0.00	0.00
B	0.00	0.00	0.00	0.00	0.00
C	0.00	74,588.62	0.00	74,588.62	0.00
D	0.00	133,997.50	0.00	133,997.50	0.00
Deal Totals	0.00	208,586.12	0.00	208,586.12	0.00

Page 4 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

4. Collections and Distributions



Collections
Receipts During the Period	7,860,069.57
Administrative Purchase Payments	77,142.94
Warranty Payments	0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses)	268,445.07
Other Fees or Expenses Paid	0.00
Total Collections	8,205,657.58

Beginning Reserve Account Balance	5,114,999.99
Total Available Amount	13,320,657.57

Distributions
Total Available Amount	13,320,657.57
Basic Servicing Fee	101,446.15
Amounts owing to the Asset Representations Reviewer, Indenture Trustee, and Vote Tabulation Agent in connection with an Asset Representations Review	0.00
Aggregate Class A Interest Distributable Amount	0.00
First Priority Principal Distributable Amount	0.00
Aggregate Class B Interest Distributable Amount	0.00
Second Priority Principal Distributable Amount	0.00
Aggregate Class C Interest Distributable Amount	74,588.62
Third Priority Principal Distributable Amount	0.00
Aggregate Class D Interest Distributable Amount	133,997.50
Fourth Priority Principal Distributable Amount	0.00
To Reserve Account - Specified Reserve Account Balance	5,114,999.99
Noteholders' Regular Principal Distributable Amount	7,655,101.57
Indenture Trustee expenses	0.00
Unpaid Fees due to Owner Trustee, Indenture Trustee, Administrator and Asset Representations Reviewer	1,500.00
Excess Total Available Amount to the Certificateholders	239,023.74

Supplemental Servicing Fees	89,773.92
Other Fees or Expenses Accrued	0.00
Liquidation Expenses	20,700.00

Page 5 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

5. Collateral Summary

A. Balances



		Original Balance	Beginning Balance	Ending Balance
Deal Totals	Number of Receivables	64,704	15,220	14,563
	Aggregate Receivables Principal Balance	1,022,999,998.97	97,388,305.23	89,733,203.66
	Aggregate Receivables Face Amount	1,022,999,998.97	97,388,305.23	89,733,203.66

There have been no receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred.

B. Pool Composition - Weighted Averages

Inception

Beginning

Ending

Inception

Beginning

Ending

Inception

Beginning

Ending

Weighted

Average

Coupon

Original

Remaining

Maturity

Deal Totals

9.17000000

9.97352139

10.01549070

68.37

70.24

70.34

55.67

21.89

21.24

C. Pool Composition - Prepayments



Month	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20
Monthly	1.26%	1.28%	1.29%	1.41%	1.41%	1.24%	1.53%	1.39%	1.22%	1.18%	1.25%	1.29%	1.19%	1.55%	1.25%	1.39%	1.33%	1.27%	1.40%	1.15%

Month	21	22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40
Monthly	1.29%	1.20%	1.05%	1.29%	1.16%	1.36%	1.25%	1.28%	1.25%	1.27%	1.30%	1.06%	1.22%	1.12%	1.05%	1.13%	1.05%	1.21%	1.19%	1.13%

Month	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60
Monthly	0.93%	1.17%	1.12%	0.98%	1.05%	0.74%	0.95%

Page 6 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

6. Charge-Off and Delinquency Rates

A. Current



	Charge-Off Rate						Delinquency Rate
	Average Aggregate Amount Financed	Number of Units Charged-Off	Net Charge-Offs	Average Net Charge-Offs	Loss Rate		Total Accounts	Accounts over 60	Percent Delinquent
Current	93,560,754.45	69	222,257.49	3,221.12	2.8507	%	14,563	390	2.6780	%
Preceding	101,040,301.82	78	313,859.55	4,023.84	3.7275	%	15,220	355	2.3325	%
Next Preceding	109,008,590.98	84	364,616.80	4,340.68	4.0138	%	15,835	344	2.1724	%
Third Preceding	117,664,347.26	83	318,208.03	3,833.83	3.2452	%	Three Month Average		2.3943	%
Four Month Average					3.4593	%

B. Cumulative



	Aggregate Amount	Cumulative Net	Cumulative Loss Rate		Delinquency	Total	Total Balance	Percent
	Financed	Charge-Offs			Stratification	Accounts		Delinquent
Totals	1,022,999,998.97	40,545,166.32	3.9634	%	31 - 60 days	1,144	8,948,912.10	9.9728	%
The information contained in this report is defined or determined in a manner consistent with the prospectus for					61 - 90 days	327	2,604,921.99	2.9030	%
Capital Auto Receivables Asset Trust 2016-1 related to delinquencies, charge-offs or uncollectible accounts.					91 - 120 days	62	454,468.23	0.5065	%
					> 120 days	1	3,258.66	0.0036	%
There have been no material changes in determining delinquencies, charge-offs or uncollectible amounts.

					Bankruptcies		Total Accounts	Total Balance
					Prior Period¹		591	5,158,578.97
					Current Period		24	167,365.05
1. Prior Period Bankruptcies reflect currently active accounts.					Inventory Charged-Off²		35	60,685.35
2. Bankruptcy Inventory Charged-Off includes both bankruptcies returned to active status and charge-offs on prior period bankruptcies.					Ending Inventory		580	5,265,258.67

7. Credit Instruments

A. Reserve Accounts

Account

Initial Balance

Beginning Balance

ADDITIONS

REDUCTIONS

Ending Balance

Specified Reserve

Account Balance

Draws

Releases

Cash Reserve

5,114,999.99

0.00

5,114,999.99

Page 7 of 8

Statement to Securityholder

Capital Auto Receivables Asset Trust 2016-1

Final Servicer

8. Performance Tests



Event of Default	NO
Servicer Default	NO
Asset Representations Review Delinquency Trigger	PASS
Overcollateralization Target Amount Satisfied?	YES
Initial Overcollateralization	31,719,998.97
Current Overcollateralization	30,689,999.97
Overcollateralization Target	30,689,999.97

9. Asset Representations Delinquency Triggers



Period	1		2		3		4		5		6		7		8		9		10		11		12		13		14		15		16		17		18		19		20
Trigger Level	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	4.70	%	6.10	%	6.10	%	6.10	%	6.10	%	6.10	%	6.10	%	6.10	%	6.10	%
61+ Delinquencies	0.01	%	0.28	%	0.38	%	0.48	%	0.62	%	0.78	%	0.85	%	0.92	%	1.01	%	1.13	%	1.30	%	1.39	%	1.09	%	0.96	%	1.15	%	1.23	%	1.22	%	1.36	%	1.53	%	1.84	%

Period	21		22		23		24		25		26		27		28		29		30		31		32		33		34		35		36		37		38		39		40
Trigger Level	6.10	%	6.10	%	6.10	%	6.10	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	7.30	%	10.40	%	10.40	%	10.40	%	10.40	%
61+ Delinquencies	1.48	%	1.57	%	1.85	%	1.74	%	1.60	%	1.28	%	1.48	%	1.59	%	1.69	%	1.94	%	1.95	%	2.38	%	2.24	%	2.38	%	2.48	%	2.49	%	2.30	%	1.95	%	1.91	%	1.96	%

Period	41		42		43		44		45		46		47		48		49		50		51		52		53		54		55		56		57		58		59		60
Trigger Level	10.40	%	10.40	%	10.40	%	10.40	%	10.40	%	10.40	%	10.40	%	10.40	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%	14.85	%
61+ Delinquencies	2.45	%	2.47	%	2.34	%	2.39	%	2.67	%	2.83	%	3.41	%

There have been no material modifications, extensions or waivers relating to the terms of or fees, penalties or payments on, pool assets during the distribution period or that, cumulatively, have become material over time.

This Servicer Certificate relates only to CARAT 2016-1. This Servicer Certificate should not be relied upon with respect to any other security. The information contained herein is only an indication of past performance and does not predict how CARAT 2016-1 will perform in the future.

Page 8 of 8

Capital Auto Receivables Asset Trust 2016-1 10-D