FORM 10-K

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 (Mark One)

 ANNUAL
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the fiscal year ended December 31, 2024

 or

 TRANSITION
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the transition period from to

 BRIDGECREST LENDING AUTO SECURITIZATION TRUST
2023-1

 (Exact Name of Issuing Entity as Specified
in its Charter)

 Commission File Number of Issuing Entity: 333-271899-01

 Central Index Key Number of Issuing Entity: 0001993328

 BRIDGECREST AUTO FUNDING LLC

 (Exact Name of Depositor as Specified in its
Charter)

 Commission File Number of Depositor: 333-271899

 Central Index Key Number of Depositor: 0001974820

 BRIDGECREST ACCEPTANCE CORPORATION

 (Exact Name of Sponsor as Specified in its
Charter)

 Central Index Key Number of Sponsor: 0001493927

 Delaware

 (State
or Other Jurisdiction of Incorporation or Organization of Registrant)

 93-6668743

 (Issuing
Entity's I.R.S. Employer Identification No.)

 Bridgecrest
 Auto Funding LLC
 1720 W. Rio Salado Parkway
 Tempe, Arizona

 (Address
 of Principal Executive Offices of Registrant)

 85281
 (Zip Code)

 (888) 418-1212

 (Registrant's Telephone
Number, Including Area Code)

 Securities registered pursuant to Section 12(b) of
the Act: None

 Securities registered pursuant to Section 12(g) of
the Act: None

 Indicate by check mark if
the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

 Yes No

 Indicate by check mark if
the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

 Yes No

 Indicate by check mark whether
the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

 Yes No

 Indicate by check mark whether
the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit
such files).

 Yes No

 Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging
growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting
company, "and "emerging growth company" in Rule 12b-2 of the Exchange Act.

 Large accelerated filer

 Accelerated filer

 Non-accelerated filer

 Smaller reporting company

 Emerging growth company

 If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate
by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness
of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the
registered public accounting firm that prepared or issued its audit report.

 If
securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of
the registrant included in the filing reflect the correction of an error to previously issued financial statements.

 Indicate
by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation
received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate
by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes
 No

 State the aggregate market value of the voting
and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the
average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second
fiscal quarter.

 Registrant has no voting or non-voting class of
common equity outstanding and held by nonaffiliates as of the date of this report, or as of the last business day of the registrant's
most recently completed second fiscal quarter.

 Documents Incorporated by Reference.

 See Exhibit Index.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 (a)
 Item 1. Business.

 (b)
 Item 1A. Risk Factors.

 (c)
 Item 1C. Cybersecurity.

 (d)
 Item 2. Properties.

 (e)
 Item 3. Legal Proceedings.

 Item 1B. Unresolved Staff Comments.

 Item 4. Mine Safety Disclosures.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1112(b) of Regulation AB. Significant Obligors of
Pool Assets ( Financial Information).

 No single obligor represents 10% or more
of the pool assets held by Bridgecrest Lending Auto Securitization Trust 2023-1 (the " Issuing Entity ").

 Item 1114(b)(2) of Regulation
AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments ( Financial Information Regarding Significant
Enhancement Providers).

 No entity or group of affiliated entities
provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity
or payments on the notes (the " Notes ") or certificates (the " Certificates ") issued by the Issuing
Entity.

 Item 1115(b) of Regulation AB.
Certain Derivatives Instruments ( Financial Information).

 No entity or group of affiliated entities
provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

 Item 1117 of Regulation AB. Legal
Proceedings.

 No legal proceedings are pending, and no
proceedings are known to be contemplated by governmental authorities, against any of the following companies, or of which any property
of the following companies is the subject, that are or would be material to holders of the Notes or the Certificates: Bridgecrest Acceptance
Corporation (the " Sponsor "), Bridgecrest Auto Funding LLC (the " Depositor "), Computershare Trust
Company, National Association (the " Indenture Trustee "), Bridgecrest Acceptance Corporation (the " Servicer ")
or the Issuing Entity.

 The following items have
been omitted in accordance with General Instruction J to Form 10-K:

 Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

 Item 6. [Reserved]

 Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations.

 Item 7A. Quantitative and Qualitative Disclosures About Market
Risk.

 Item 8. Financial Statements and Supplementary Data.

 Item 9. Changes in and Disagreements With Accountants on Accounting
and Financial Disclosure.

 Item 9A. Controls and Procedures.

 Item 9B. Other Information.

 None.

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent
Inspections.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 Item 10. Directors, Executive Officers and Corporate Governance.

 Item 11. Executive Compensation.

 Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

 Item 13. Certain Relationships and Related Transactions, and Director
Independence.

 Item 14. Principal Accountant Fees and Services.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1119 of Regulation AB. Affiliations
and Certain Relationships and Related Transactions.

 Information required by Item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119 of Regulation AB.

 Item 1122 of Regulation AB. Compliance
with Applicable Servicing Criteria.

 The Servicer and the Indenture Trustee (collectively,
the " Servicing Participants ") have each been identified by the registrant as a party participating in the servicing
function with respect to the pool assets held by the Issuing Entity. Each of the Servicing Participants has provided a report on an assessment
of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which Servicing Reports are
attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation
report (each, a " Report on Assessment ") by one or more registered public accounting firms, which Reports on Assessment
are also attached as exhibits to this Form 10-K. None of the Servicing Reports or the Reports on Assessment have
identified any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Participants.

 Item 1123 of Regulation AB. Servicer
Compliance Statement.

 The Servicer has been identified by the registrant
as a servicer with respect to the asset pool held by the Issuing Entity. The Servicer has provided a statement of compliance with applicable
servicing criteria (a " Compliance Statement "), signed by an authorized officer of the Servicer. The Compliance Statement
is attached as an exhibit to this Form 10-K.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1)

 (a)(2)

 (a)(3)
 Those exhibits required by Item 601
 of Regulation S-K are listed in Item 15(b) below.

 (b)
 The exhibits required by Item 601 of Regulation
 S-K.

 The exhibits listed below are either included or incorporated by reference
as indicated:

 Exhibit

 No.

 Document
 Description

 3.1

 Certificate
 of Formation of the Depositor (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form SF-3 (No. 333-271899)
 filed with the Commission by the Depositor on May 12, 2023 (the "Registration Statement")).

 3.2

 Limited Liability Company
 Agreement of the Depositor (incorporated by reference to Exhibit 3.2 to the Registration Statement).

 4.1

 Indenture,
 dated as of October 25, 2023 (the "Closing Date"), between Bridgecrest Lending Auto Securitization Trust 2023-1
 (the "Issuer"), Bridgecrest Lending Auto Securitization Grantor Trust 2023-1 (the "Grantor Trust") and the
 Indenture Trustee (incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K filed with the Commission
 by the Depositor on October 27, 2023 (the "Closing 8-K")).

 10.1

 Purchase Agreement,
 dated as of the Closing Date, between the Sponsor and the Depositor (incorporated by reference to Exhibit 10.1 to the Current
 Report on the Closing 8-K).

 10.2

 Sale and Servicing
 Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Depositor, the Servicer, Computershare Trust Company,
 National Association, as standby servicer (the "Standby Servicer"), and the Indenture Trustee (incorporated by reference
 to Exhibit 10.2 to the Current Report on the Closing 8-K).

 10.3

 Receivables
 Contribution Agreement, dated as the Closing Date, between the Issuer and the Grantor Trust (incorporated by reference to Exhibit 10.3
 to the Current Report on the Closing 8-K).

 10.4

 Administration
 Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, Bridgecrest Acceptance Corporation, as administrator
 (the "Administrator"), and the Indenture Trustee (incorporated by reference to Exhibit 10.4 to the Current Report
 on the Closing 8-K).

 10.5

 Amended and
 Restated Trust Agreement, dated as of the Closing Date, between the Depositor and Wilmington Trust, National Association, not in
 its individual capacity but solely as owner trustee for the Issuer (the "Owner Trustee") (incorporated by reference to
 Exhibit 10.5 to the Current Report on the Closing 8-K).

 10.6

 Amended and
 Restated Grantor Trust Agreement, dated as of the Closing Date, between the Issuer and Wilmington Trust, National Association, not
 in its individual capacity but solely as grantor trust trustee for the Grantor Trust (the "Grantor Trust Trustee") (incorporated
 by reference to Exhibit 10.6 to the Current Report on the Closing 8-K).

 10.7

 Asset Representations
 Review Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Sponsor, the Servicer and Clayton Fixed
 Income Services LLC, as asset representations reviewer (the "Asset Representations Reviewer") (incorporated by reference
 to Exhibit 10.7 to the Current Report on the Closing 8-K).

 31.1

 Certification
 of Senior Officer in Charge of Securitization of the Depositor pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

 33.1

 Report on Assessment
 of Compliance with Applicable Servicing Criteria of the Servicer.

 33.2

 Report on Assessment
 of Compliance with Applicable Servicing Criteria of the Indenture Trustee.

 34.1

 Attestation
 Report on Assessment of Compliance with Servicing Criteria of Grant Thornton LLP, on behalf of the Servicer.

 34.2

 Attestation
 Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers LLP, on behalf of the Indenture Trustee.

 35.1

 Servicer Compliance
 Statement of the Servicer.

 Item 16. Form 10-K Summary.

 Not applicable.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 BRIDGECREST AUTO FUNDING LLC, as Depositor

 By:

 /s/ Daniel Gaudreau

 Name:

 Daniel Gaudreau

 Title:

 President (senior officer in charge of securitization)

 March 28, 2025

 Supplemental Information to be Furnished With
Reports Filed Pursuant to Section 15(d) of the Act by Registrants

Which Have Not Registered Securities Pursuant to Section 12 of the Act

 No annual report to security holders, proxy statement, form of proxy
or other proxy soliciting material has been sent to security holders or is anticipated to be furnished to security holders subsequent
to the filing of this annual report on Form 10-K.


FORM 10-K

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 (Mark One)

 ANNUAL REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the fiscal year ended December 31, 2024

 or

 TRANSITION
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the transition period
from
to

 BRIDGECREST LENDING AUTO SECURITIZATION TRUST
2024-1

 (Exact Name of Issuing Entity as Specified
in its Charter)

 Commission File Number of Issuing Entity: 333-271899-02

 Central Index Key Number of Issuing Entity: 0002006743

 BRIDGECREST AUTO FUNDING LLC

 (Exact Name of Depositor as Specified in its
Charter)

 Commission File Number of Depositor: 333-271899

 Central Index Key Number of Depositor: 0001974820

 BRIDGECREST ACCEPTANCE CORPORATION

 (Exact Name of Sponsor as Specified in its
Charter)

 Central Index Key Number of Sponsor: 0001493927

 Delaware

 (State or Other Jurisdiction
of Incorporation or Organization of Registrant)

 93-6891955

 (Issuing Entity's I.R.S. Employer Identification No.)

 Bridgecrest Auto Funding LLC

 1720 W. Rio Salado Parkway

 Tempe, Arizona

 85281

 (Address of Principal Executive Offices of Registrant)

 (Zip Code)

 (888) 418-1212

 (Registrant's Telephone
Number, Including Area Code)

 Securities registered pursuant to Section 12(b) of
the Act: None

 Securities registered pursuant to Section 12(g) of
the Act: None

 Indicate by check mark if
the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

 Yes No

 Indicate by check mark if
the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

 Yes No

 Indicate by check mark whether
the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

 Yes
No

 Indicate by check mark whether
the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit
such files).

 Yes
No

 Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging
growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting
company, "and "emerging growth company" in Rule 12b-2 of the Exchange Act.

 Large accelerated filer

 Accelerated filer

 Non-accelerated filer

 Smaller reporting company

 Emerging growth company

 If an emerging growth company,
indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate by check mark whether the registrant
has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial
reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that
prepared or issued its audit report.

 If securities are registered pursuant to Section 12(b) of
the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an
error to previously issued financial statements.

 Indicate by check mark whether any of those error
corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's
executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate by check mark
whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).
Yes No

 State the aggregate market value of the voting
and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the
average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second
fiscal quarter.

 Registrant has no voting or non-voting class of
common equity outstanding and held by nonaffiliates as of the date of this report, or as of the last business day of the registrant's
most recently completed second fiscal quarter.

 Documents Incorporated by Reference. See
Exhibit Index.

 The following items have been omitted in
accordance with General Instruction J to Form 10-K:

 (a)
 Item 1. Business.

 (b)
 Item 1A. Risk Factors.

 (c)
 Item 1C. Cybersecurity.

 (d)
 Item 2. Properties.

 (e)
 Item 3. Legal Proceedings.

 Item 1B. Unresolved Staff Comments.

 Item 4. Mine Safety Disclosures.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1112(b) of Regulation AB. Significant Obligors of
Pool Assets ( Financial Information).

 No single obligor represents 10% or more of
the pool assets held by Bridgecrest Lending Auto Securitization Trust 2024-1 (the " Issuing Entity ").

 Item 1114(b)(2) of Regulation
AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments ( Financial Information Regarding Significant Enhancement
Providers).

 No entity or group of affiliated entities
provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity
or payments on the notes (the " Notes ") or certificates (the " Certificates ") issued by the Issuing
Entity.

 Item 1115(b) of Regulation AB.
Certain Derivatives Instruments ( Financial Information).

 No entity or group of affiliated entities
provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

 Item 1117 of Regulation AB. Legal
Proceedings.

 No legal proceedings are pending, and no proceedings
are known to be contemplated by governmental authorities, against any of the following companies, or of which any property of the following
companies is the subject, that are or would be material to holders of the Notes or the Certificates: Bridgecrest Acceptance Corporation
(the " Sponsor "), Bridgecrest Auto Funding LLC (the " Depositor "), Computershare Trust Company, National
Association (the " Indenture Trustee "), Bridgecrest Acceptance Corporation (the " Servicer ") or the
Issuing Entity.

 The following items have been
omitted in accordance with General Instruction J to Form 10-K:

 Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

 Item 6. [Reserved]

 Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations.

 Item 7A. Quantitative and Qualitative Disclosures About Market Risk.

 Item 8. Financial Statements and Supplementary Data.

 Item 9. Changes in and Disagreements With Accountants on Accounting
and Financial Disclosure.

 Item 9A. Controls and Procedures.

 Item 9B. Other Information.

 None.

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent
Inspections.

 The following items have been omitted in
accordance with General Instruction J to Form 10-K:

 Item 10. Directors, Executive Officers and Corporate Governance.

 Item 11. Executive Compensation.

 Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

 Item 13. Certain Relationships and Related Transactions, and Director
Independence.

 Item 14. Principal Accountant Fees and Services.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1119 of Regulation AB. Affiliations
and Certain Relationships and Related Transactions.

 Information required by Item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119 of Regulation AB.

 Item 1122 of Regulation AB. Compliance
with Applicable Servicing Criteria.

 The Servicer and the Indenture Trustee (collectively,
the " Servicing Participants ") have each been identified by the registrant as a party participating in the servicing
function with respect to the pool assets held by the Issuing Entity. Each of the Servicing Participants has provided a report on an assessment
of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which Servicing Reports are
attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation
report (each, a " Report on Assessment ") by one or more registered public accounting firms, which Reports on Assessment
are also attached as exhibits to this Form 10-K. None of the Servicing Reports or the Reports on Assessment have identified
any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Participants.

 Item 1123 of Regulation AB. Servicer
Compliance Statement.

 The Servicer has been identified by the registrant
as a servicer with respect to the asset pool held by the Issuing Entity. The Servicer has provided a statement of compliance with applicable
servicing criteria (a " Compliance Statement "), signed by an authorized officer of the Servicer. The Compliance Statement
is attached as an exhibit to this Form 10-K.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1)

 (a)(2)

 (a)(3)

 Those exhibits required by Item 601 of Regulation S-K are listed in Item 15(b) below.

 (b)

 The exhibits required by Item 601 of Regulation S-K.

 The exhibits listed below are either included or incorporated by reference
as indicated:

 Exhibit

 No.

 Document Description

 3.1

 Certificate of Formation of the Depositor (incorporated by reference to Exhibit 3.1
 to the Registration Statement on Form SF-3 (No. 333-271899) filed with the Commission by the Depositor on May 12,
 2023 (the "Registration Statement")).

 3.2

 Limited Liability Company Agreement of the Depositor (incorporated by reference to Exhibit 3.2
 to the Registration Statement).

 4.1

 Indenture, dated as of January 24, 2024 (the "Closing Date"), between
 Bridgecrest Lending Auto Securitization Trust 2024-1 (the "Issuer"), Bridgecrest Lending Auto Securitization Grantor
 Trust 2024-1 (the "Grantor Trust") and the Indenture Trustee (incorporated by reference to Exhibit 4.1 to the Current
 Report on Form 8-K filed with the Commission by the Depositor on January 24, 2024 (the "Closing 8-K")).

 10.1

 Purchase Agreement, dated as of the Closing Date, between the Sponsor and the Depositor
 (incorporated by reference to Exhibit 10.1 to the Current Report on the Closing 8-K).

 10.2

 Sale and Servicing Agreement, dated as of the Closing Date, among the Issuer, the Grantor
 Trust, the Depositor, the Servicer, Computershare Trust Company, National Association, as standby servicer (the "Standby Servicer"),
 and the Indenture Trustee (incorporated by reference to Exhibit 10.2 to the Current Report on the Closing 8-K).

 10.3

 Receivables Contribution Agreement, dated as the Closing Date, between the Issuer and
 the Grantor Trust (incorporated by reference to Exhibit 10.3 to the Current Report on the Closing 8-K).

 10.4

 Administration Agreement, dated as of the Closing Date, among the Issuer, the Grantor
 Trust, Bridgecrest Acceptance Corporation, as administrator (the "Administrator"), and the Indenture Trustee (incorporated
 by reference to Exhibit 10.4 to the Current Report on the Closing 8-K).

 10.5

 Amended and Restated Trust Agreement, dated as of the Closing Date, between the Depositor
 and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (the "Owner
 Trustee") (incorporated by reference to Exhibit 10.5 to the Current Report on the Closing 8-K).

 10.6

 Amended and Restated Grantor Trust Agreement, dated as of the Closing Date, between the
 Issuer and Wilmington Trust, National Association, not in its individual capacity but solely as grantor trust trustee for the Grantor
 Trust (the "Grantor Trust Trustee") (incorporated by reference to Exhibit 10.6 to the Current Report on the Closing 8-K).

 10.7

 Asset Representations Review Agreement, dated as of the Closing Date, among the Issuer,
 the Grantor Trust, the Sponsor, the Servicer and Clayton Fixed Income Services LLC, as asset representations reviewer (the "Asset
 Representations Reviewer") (incorporated by reference to Exhibit 10.7 to the Current Report on the Closing 8-K).

 31.1

 Certification of Senior Officer in Charge of Securitization of the Depositor pursuant
 to Section 302 of the Sarbanes-Oxley Act of 2002.

 33.1

 Report on Assessment of Compliance with Applicable Servicing Criteria of the Servicer.

 33.2

 Report on Assessment of Compliance with Applicable Servicing Criteria of the Indenture
 Trustee.

 34.1

 Attestation Report on Assessment of Compliance with Servicing Criteria of Grant Thornton
 LLP, on behalf of the Servicer.

 34.2

 Attestation Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers
 LLP, on behalf of the Indenture Trustee.

 35.1

 Servicer Compliance Statement of the Servicer.

 Item 16. Form 10-K Summary.

 Not applicable.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 BRIDGECREST AUTO FUNDING LLC, as Depositor

 By:

 /s/ Daniel Gaudreau

 Name:

 Daniel Gaudreau

 Title:

 President

 (senior officer in charge of securitization)

 March 28, 2025

 Supplemental Information to be Furnished With
Reports Filed Pursuant to Section 15(d) of the Act by Registrants

Which Have Not Registered Securities Pursuant to Section 12 of the Act

 No annual report to security holders, proxy statement, form of proxy
or other proxy soliciting material has been sent to security holders or is anticipated to be furnished to security holders subsequent
to the filing of this annual report on Form 10-K.


FORM 10-K

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 (Mark One)

 ANNUAL
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the fiscal year ended December 31, 2024

 or

 TRANSITION
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the transition period from to

 BRIDGECREST LENDING AUTO SECURITIZATION TRUST
2024-2

 (Exact Name of Issuing Entity as Specified
in its Charter)

 Commission File Number of Issuing Entity: 333-271899-03

 Central Index Key Number of Issuing Entity: 0002018148

 BRIDGECREST AUTO FUNDING LLC

 (Exact Name of Depositor as Specified in its
Charter)

 Commission File Number of Depositor: 333-271899

 Central Index Key Number of Depositor: 0001974820

 BRIDGECREST ACCEPTANCE CORPORATION

 (Exact Name of Sponsor as Specified in its
Charter)

 Central Index Key Number of Sponsor: 0001493927

 Delaware

 (State
or Other Jurisdiction of Incorporation or Organization of Registrant)

 99-6199528

 (Issuing
Entity's I.R.S. Employer Identification No.)

 Bridgecrest Auto Funding LLC

1720 W. Rio Salado Parkway

Tempe, Arizona

 85281

 (Address
of Principal Executive Offices of Registrant)

 (Zip Code)

 (888) 418-1212

 (Registrant's Telephone
Number, Including Area Code)

 Securities registered pursuant to Section 12(b) of
the Act: None

 Securities registered pursuant to Section 12(g) of
the Act: None

 Indicate by check mark if
the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

 Yes
 No

 Indicate by check mark if
the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

 Yes
 No

 Indicate by check mark whether
the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

 Yes
 No

 Indicate by check mark whether
the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit
such files).

 Yes
 No

 Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging
growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting
company, "and "emerging growth company" in Rule 12b-2 of the Exchange Act.

 Large accelerated filer

 Accelerated filer

 Non-accelerated filer

 Smaller reporting company

 Emerging growth company

 If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate
by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness
of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the
registered public accounting firm that prepared or issued its audit report.

 If
securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of
the registrant included in the filing reflect the correction of an error to previously issued financial statements.

 Indicate
by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation
received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate
by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes
 No

 State the aggregate market value of the voting and
non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average
bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal
quarter.

 Registrant has no voting or non-voting class of
common equity outstanding and held by nonaffiliates as of the date of this report, or as of the last business day of the registrant's
most recently completed second fiscal quarter.

 Documents Incorporated by Reference.

 See Exhibit Index.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 (a)
 Item 1. Business.

 (b)
 Item 1A. Risk Factors.

 (c)
 Item 1C. Cybersecurity.

 (d)
 Item 2. Properties.

 (e)
 Item 3. Legal Proceedings.

 Item 1B. Unresolved Staff Comments.

 Item 4. Mine Safety Disclosures.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1112(b) of Regulation AB. Significant Obligors of
Pool Assets ( Financial Information).

 No single obligor represents 10% or more
of the pool assets held by Bridgecrest Lending Auto Securitization Trust 2024-2 (the " Issuing Entity ").

 Item 1114(b)(2) of Regulation
AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments ( Financial Information Regarding Significant
Enhancement Providers).

 No entity or group of affiliated entities
provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity
or payments on the notes (the " Notes ") or certificates (the " Certificates ") issued by the Issuing
Entity.

 Item 1115(b) of Regulation AB.
Certain Derivatives Instruments ( Financial Information).

 No entity or group of affiliated entities
provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

 Item 1117 of Regulation AB. Legal
Proceedings.

 No legal proceedings are pending, and no
proceedings are known to be contemplated by governmental authorities, against any of the following companies, or of which any property
of the following companies is the subject, that are or would be material to holders of the Notes or the Certificates: Bridgecrest Acceptance
Corporation (the " Sponsor "), Bridgecrest Auto Funding LLC (the " Depositor "), Computershare Trust
Company, National Association (the " Indenture Trustee "), Bridgecrest Acceptance Corporation (the " Servicer ")
or the Issuing Entity.

 The following items have
been omitted in accordance with General Instruction J to Form 10-K:

 Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

 Item 6. [Reserved]

 Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations.

 Item 7A. Quantitative and Qualitative Disclosures About Market
Risk.

 Item 8. Financial Statements and Supplementary Data.

 Item 9. Changes in and Disagreements With Accountants on Accounting
and Financial Disclosure.

 Item 9A. Controls and Procedures.

 Item 9B. Other Information.

 None.

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent
Inspections.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 Item 10. Directors, Executive Officers and Corporate Governance.

 Item 11. Executive Compensation.

 Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

 Item 13. Certain Relationships and Related Transactions, and Director
Independence.

 Item 14. Principal Accountant Fees and Services.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1119 of Regulation AB. Affiliations
and Certain Relationships and Related Transactions.

 Information required by Item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119 of Regulation AB.

 Item 1122 of Regulation AB. Compliance
with Applicable Servicing Criteria.

 The Servicer and the Indenture Trustee (collectively,
the " Servicing Participants ") have each been identified by the registrant as a party participating in the servicing
function with respect to the pool assets held by the Issuing Entity. Each of the Servicing Participants has provided a report on an assessment
of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which Servicing Reports are
attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation
report (each, a " Report on Assessment ") by one or more registered public accounting firms, which Reports on Assessment
are also attached as exhibits to this Form 10-K. None of the Servicing Reports or the Reports on Assessment have
identified any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Participants.

 Item 1123 of Regulation AB. Servicer
Compliance Statement.

 The Servicer has been identified by the registrant
as a servicer with respect to the asset pool held by the Issuing Entity. The Servicer has provided a statement of compliance with applicable
servicing criteria (a " Compliance Statement "), signed by an authorized officer of the Servicer. The Compliance Statement
is attached as an exhibit to this Form 10-K.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1)

 (a)(2)

 (a)(3)
 Those exhibits required by Item 601
 of Regulation S-K are listed in Item 15(b) below.

 (b)
 The exhibits required by Item 601 of
 Regulation S-K.

 The exhibits listed below are either included or incorporated by reference
as indicated:

 Exhibit

 No.

 Document
 Description

 3.1

 Certificate
 of Formation of the Depositor (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form SF-3 (No. 333-271899)
 filed with the Commission by the Depositor on May 12, 2023 (the "Registration Statement")).

 3.2

 Limited
 Liability Company Agreement of the Depositor (incorporated by reference to Exhibit 3.2 to the Registration Statement).

 4.1

 Indenture,
 dated as of April 24, 2024 (the "Closing Date"), between Bridgecrest Lending Auto Securitization Trust 2024-2 (the
 "Issuer"), Bridgecrest Lending Auto Securitization Grantor Trust 2024-2 (the "Grantor Trust") and the Indenture
 Trustee (incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K filed with the Commission by the Depositor
 on April 25, 2024 (the "Closing 8-K")).

 10.1

 Purchase
 Agreement, dated as of the Closing Date, between the Sponsor and the Depositor (incorporated by reference to Exhibit 10.1 to
 the Current Report on the Closing 8-K).

 10.2

 Sale
 and Servicing Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Depositor, the Servicer, Computershare
 Trust Company, National Association, as standby servicer (the "Standby Servicer"), and the Indenture Trustee (incorporated
 by reference to Exhibit 10.2 to the Current Report on the Closing 8-K).

 10.3

 Receivables
 Contribution Agreement, dated as the Closing Date, between the Issuer and the Grantor Trust (incorporated by reference to Exhibit 10.3
 to the Current Report on the Closing 8-K).

 10.4

 Administration
 Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, Bridgecrest Acceptance Corporation, as administrator
 (the "Administrator"), and the Indenture Trustee (incorporated by reference to Exhibit 10.4 to the Current Report
 on the Closing 8-K).

 10.5

 Amended
 and Restated Trust Agreement, dated as of the Closing Date, between the Depositor and Wilmington Trust, National Association, not
 in its individual capacity but solely as owner trustee for the Issuer (the "Owner Trustee") (incorporated by reference
 to Exhibit 10.5 to the Current Report on the Closing 8-K).

 10.6

 Amended
 and Restated Grantor Trust Agreement, dated as of the Closing Date, between the Issuer and Wilmington Trust, National Association,
 not in its individual capacity but solely as grantor trust trustee for the Grantor Trust (the "Grantor Trust Trustee")
 (incorporated by reference to Exhibit 10.6 to the Current Report on the Closing 8-K).

 10.7

 Asset
 Representations Review Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Sponsor, the Servicer and
 Clayton Fixed Income Services LLC, as asset representations reviewer (the "Asset Representations Reviewer") (incorporated
 by reference to Exhibit 10.7 to the Current Report on the Closing 8-K).

 31.1

 Certification
 of Senior Officer in Charge of Securitization of the Depositor pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

 33.1

 Report on Assessment of
 Compliance with Applicable Servicing Criteria of the Servicer.

 33.2

 Report
 on Assessment of Compliance with Applicable Servicing Criteria of the Indenture Trustee.

 34.1

 Attestation Report on Assessment
 of Compliance with Servicing Criteria of Grant Thornton LLP, on behalf of the Servicer.

 34.2

 Attestation
 Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers LLP, on behalf of the Indenture Trustee.

 35.1

 Servicer
 Compliance Statement of the Servicer.

 Item 16. Form 10-K Summary.

 Not applicable.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 BRIDGECREST AUTO FUNDING LLC, as Depositor

 By:

 /s/
Daniel Gaudreau

 Name:

 Daniel Gaudreau

 Title:

 President (senior officer in charge of securitization)

 March
28, 2025

 Supplemental Information to be Furnished With
Reports Filed Pursuant to Section 15(d) of the Act by Registrants

Which Have Not Registered Securities Pursuant to Section 12 of the Act

 No annual report to security holders, proxy statement, form of proxy
or other proxy soliciting material has been sent to security holders or is anticipated to be furnished to security holders subsequent
to the filing of this annual report on Form 10-K.


FORM 10-K

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 (Mark One)

 ANNUAL REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the fiscal year ended December 31, 2024

 or

 TRANSITION REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the transition period
 from

 to

 BRIDGECREST LENDING AUTO SECURITIZATION TRUST
2024-3

 (Exact Name of Issuing Entity as Specified
in its Charter)

 Commission File Number of Issuing Entity: 333-271899-04

 Central Index Key Number of Issuing Entity: 0002029465

 BRIDGECREST AUTO FUNDING LLC

 (Exact Name of Depositor as Specified in its
Charter)

 Commission File Number of Depositor: 333-271899

 Central Index Key Number of Depositor: 0001974820

 BRIDGECREST ACCEPTANCE CORPORATION

 (Exact Name of Sponsor as Specified in its
Charter)

 Central Index Key Number of Sponsor: 0001493927

 Delaware

 (State or Other Jurisdiction of Incorporation
or Organization of Registrant)

 99-6219176

 (Issuing Entity's
I.R.S. Employer Identification No.)

 Bridgecrest Auto Funding LLC

 1720 W. Rio Salado Parkway

 Tempe, Arizona

 85281

 (Address of Principal Executive Offices of Registrant)

 (Zip Code)

 (888) 418-1212

 (Registrant's Telephone Number, Including
Area Code)

 Securities registered pursuant to Section 12(b) of
the Act: None

 Securities registered pursuant to Section 12(g) of
the Act: None

 Indicate by check mark if
the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes No

 Indicate by check mark if
the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes No

 Indicate by check mark whether
the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

Yes No

 Indicate by check mark whether
the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit
such files).

Yes No

 Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging
growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting
company, "and "emerging growth company" in Rule 12b-2 of the Exchange Act.

 Large accelerated filer

 Accelerated filer

 Non-accelerated filer

 Smaller reporting company

 Emerging growth company

 If an emerging growth company,
indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate by check mark whether the registrant
has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial
reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that
prepared or issued its audit report.

 If securities are registered pursuant to Section 12(b) of
the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an
error to previously issued financial statements.

 Indicate by check mark whether any of those error
corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's
executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate by check mark whether
the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes
 No

 State the aggregate market value of the voting
and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the
average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second
fiscal quarter.

 Registrant has no voting or non-voting class of
common equity outstanding and held by nonaffiliates as of the date of this report, or as of the last business day of the registrant's
most recently completed second fiscal quarter.

 Documents Incorporated by Reference. See
Exhibit Index.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 (a)
 Item 1. Business.

 (b)
 Item 1A. Risk Factors.

 (c)
 Item 1C. Cybersecurity.

 (d)
 Item 2. Properties.

 (e)
 Item 3. Legal Proceedings.

 Item 1B. Unresolved Staff Comments.

 Item 4. Mine Safety Disclosures.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1112(b) of Regulation AB. Significant Obligors of
Pool Assets ( Financial Information).

 No single obligor represents 10% or more
of the pool assets held by Bridgecrest Lending Auto Securitization Trust 2024-3 (the " Issuing Entity ").

 Item 1114(b)(2) of Regulation
AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments ( Financial Information Regarding Significant
Enhancement Providers).

 No entity or group of affiliated entities
provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity
or payments on the notes (the " Notes ") or certificates (the " Certificates ") issued by the Issuing
Entity.

 Item 1115(b) of Regulation AB.
Certain Derivatives Instruments ( Financial Information).

 No entity or group of affiliated entities
provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

 Item 1117 of Regulation AB. Legal
Proceedings.

 No legal proceedings are pending, and no
proceedings are known to be contemplated by governmental authorities, against any of the following companies, or of which any property
of the following companies is the subject, that are or would be material to holders of the Notes or the Certificates: Bridgecrest Acceptance
Corporation (the " Sponsor "), Bridgecrest Auto Funding LLC (the " Depositor "), Computershare Trust
Company, National Association (the " Indenture Trustee "), Bridgecrest Acceptance Corporation (the " Servicer ")
or the Issuing Entity.

 The following items have
been omitted in accordance with General Instruction J to Form 10-K:

 Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

 Item 6. [Reserved]

 Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations.

 Item 7A. Quantitative and Qualitative Disclosures About Market
Risk.

 Item 8. Financial Statements and Supplementary Data.

 Item 9. Changes in and Disagreements With Accountants on Accounting
and Financial Disclosure.

 Item 9A. Controls and Procedures.

 Item 9B. Other Information.

 None.

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent
Inspections.

 The following items have been omitted
in accordance with General Instruction J to Form 10-K:

 Item 10. Directors, Executive Officers and Corporate Governance.

 Item 11. Executive Compensation.

 Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

 Item 13. Certain Relationships and Related Transactions, and Director
Independence.

 Item 14. Principal Accountant Fees and Services.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1119 of Regulation AB. Affiliations
and Certain Relationships and Related Transactions.

 Information required by Item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119 of Regulation AB.

 Item 1122 of Regulation AB. Compliance
with Applicable Servicing Criteria.

 The Servicer and the Indenture Trustee (collectively,
the " Servicing Participants ") have each been identified by the registrant as a party participating in the servicing
function with respect to the pool assets held by the Issuing Entity. Each of the Servicing Participants has provided a report on an assessment
of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which Servicing Reports are
attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation
report (each, a " Report on Assessment ") by one or more registered public accounting firms, which Reports on Assessment
are also attached as exhibits to this Form 10-K. None of the Servicing Reports or the Reports on Assessment have
identified any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Participants.

 Item 1123 of Regulation AB. Servicer
Compliance Statement.

 The Servicer has been identified by the registrant
as a servicer with respect to the asset pool held by the Issuing Entity. The Servicer has provided a statement of compliance with applicable
servicing criteria (a " Compliance Statement "), signed by an authorized officer of the Servicer. The Compliance Statement
is attached as an exhibit to this Form 10-K.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1)

 (a)(2)

 (a)(3)
 Those exhibits required by Item
 601 of Regulation S-K are listed in Item 15(b) below.

 (b)
 The exhibits required by Item 601
 of Regulation S-K.

 The exhibits listed below are either included or incorporated by reference
as indicated:

 Exhibit

 No.

 Document Description

 3.1

 Certificate
 of Formation of the Depositor (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form SF-3 (No. 333-271899)
 filed with the Commission by the Depositor on May 12, 2023 (the "Registration Statement")).

 3.2

 Limited
 Liability Company Agreement of the Depositor (incorporated by reference to Exhibit 3.2 to the Registration Statement).

 4.1

 Indenture,
 dated as of July 24, 2024 (the "Closing Date"), between Bridgecrest Lending Auto Securitization Trust 2024-3 (the
 "Issuer"), Bridgecrest Lending Auto Securitization Grantor Trust 2024-3 (the "Grantor Trust") and the Indenture
 Trustee (incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K filed with the Commission by the Depositor
 on July 24, 2024 (the "Closing 8-K")).

 10.1

 Purchase
 Agreement, dated as of the Closing Date, between the Sponsor and the Depositor (incorporated by reference to Exhibit 10.1 to
 the Current Report on the Closing 8-K).

 10.2

 Sale
 and Servicing Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Depositor, the Servicer, Computershare
 Trust Company, National Association, as standby servicer (the "Standby Servicer"), and the Indenture Trustee (incorporated
 by reference to Exhibit 10.2 to the Current Report on the Closing 8-K).

 10.3

 Receivables
 Contribution Agreement, dated as the Closing Date, between the Issuer and the Grantor Trust (incorporated by reference to Exhibit 10.3
 to the Current Report on the Closing 8-K).

 10.4

 Administration
 Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, Bridgecrest Acceptance Corporation, as administrator
 (the "Administrator"), and the Indenture Trustee (incorporated by reference to Exhibit 10.4 to the Current Report
 on the Closing 8-K).

 10.5

 Amended
 and Restated Trust Agreement, dated as of the Closing Date, between the Depositor and Wilmington Trust, National Association, not
 in its individual capacity but solely as owner trustee for the Issuer (the "Owner Trustee") (incorporated by reference
 to Exhibit 10.5 to the Current Report on the Closing 8-K).

 10.6

 Amended
 and Restated Grantor Trust Agreement, dated as of the Closing Date, between the Issuer and Wilmington Trust, National Association,
 not in its individual capacity but solely as grantor trust trustee for the Grantor Trust (the "Grantor Trust Trustee")
 (incorporated by reference to Exhibit 10.6 to the Current Report on the Closing 8-K).

 10.7

 Asset
 Representations Review Agreement, dated as of the Closing Date, among the Issuer, the Grantor Trust, the Sponsor, the Servicer and
 Clayton Fixed Income Services LLC, as asset representations reviewer (the "Asset Representations Reviewer") (incorporated
 by reference to Exhibit 10.7 to the Current Report on the Closing 8-K).

 31.1

 Certification of Senior Officer in Charge of Securitization of the
 Depositor pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

 33.1

 Report on Assessment of Compliance with Applicable Servicing Criteria of the Servicer.

 33.2

 Report on Assessment of Compliance with Applicable Servicing Criteria
 of the Indenture Trustee.

 34.1

 Attestation Report on Assessment of Compliance with Servicing Criteria of Grant Thornton LLP, on
 behalf of the Servicer.

 34.2

 Attestation Report on Assessment of Compliance with Servicing Criteria
 of PricewaterhouseCoopers LLP, on behalf of the Indenture Trustee.

 35.1

 Servicer Compliance Statement of the Servicer.

 Item 16. Form 10-K Summary.

 Not applicable.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 BRIDGECREST AUTO FUNDING LLC, as Depositor

 By:

 /s/ Daniel Gaudreau

 Name:

 Daniel Gaudreau

 Title:

 President (senior officer in charge of securitization)

 March 28, 2025

 Supplemental Information to be Furnished With
Reports Filed Pursuant to Section 15(d) of the Act by Registrants

Which Have Not Registered Securities Pursuant to Section 12 of the Act

 No annual report to security holders, proxy statement, form of proxy
or other proxy soliciting material has been sent to security holders or is anticipated to be furnished to security holders subsequent
to the filing of this annual report on Form 10-K.


FORM 10-K

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 (Mark One)

 ANNUAL REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the fiscal year ended December 31, 2024

 or

 TRANSITION REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For the transition period from

 to

 BRIDGECREST LENDING AUTO SECURITIZATION TRUST
2024-4

 (Exact Name of Issuing Entity as Specified
in its Charter)

 Commission File Number of Issuing Entity: 333-271899-05

 Central Index Key Number of Issuing Entity: 0002036955

 BRIDGECREST AUTO FUNDING LLC

 (Exact Name of Depositor as Specified in its
Charter)

 Commission File Number of Depositor: 333-271899

 Central Index Key Number of Depositor: 0001974820

 BRIDGECREST ACCEPTANCE CORPORATION

 (Exact Name of Sponsor as Specified in its
Charter)

 Central Index Key Number of Sponsor: 0001493927

 Delaware

 (State or Other Jurisdiction
of Incorporation or Organization of Registrant)

 99-6229734

 (Issuing Entity's I.R.S. Employer Identification No.)

 Bridgecrest Auto Funding LLC

1720 W. Rio Salado Parkway

Tempe, Arizona

 85281

 (Address of Principal Executive Offices of Registrant)

 (Zip Code)

 (888) 418-1212

 (Registrant's Telephone
Number, Including Area Code)

 Securities registered pursuant to Section 12(b) of
the Act: None

 Securities registered pursuant to Section 12(g) of
the Act: None

 Indicate by check mark if
the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

 Yes No

 Indicate by check mark if
the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

 Yes No

 Indicate by check mark whether
the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

 Yes No

 Indicate by check mark whether
the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation
S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit
such files).

 Yes No

 Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging
growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting
company, "and "emerging growth company" in Rule 12b-2 of the Exchange Act.

 Large accelerated filer

 Accelerated filer

 Non-accelerated filer

 Smaller reporting company

 Emerging growth company

 If an emerging growth company,
indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate by check mark whether the registrant
has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial
reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that
prepared or issued its audit report.

 If securities are registered pursuant to Section 12(b) of
the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an
error to previously issued financial statements.

 Indicate by check mark whether any of those error
corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's
executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate by check mark whether
the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes
 No

 State the aggregate market value of the voting
and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the
average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second
fiscal quarter.

 Registrant has no voting or non-voting class of
common equity outstanding and held by nonaffiliates as of the date of this report, or as of the last business day of the registrant's
most recently completed second fiscal quarter.

 Documents Incorporated by Reference. See
Exhibit Index.

 The following items have been omitted in
accordance with General Instruction J to Form 10-K:

 (a)
 Item 1. Business.

 (b)
 Item 1A. Risk Factors.

 (c)
 Item 1C. Cybersecurity.

 (d)
 Item 2. Properties.

 (e)
 Item 3. Legal Proceedings.

 Item 1B. Unresolved Staff Comments.

 Item 4. Mine Safety Disclosures.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1112(b) of Regulation AB. Significant Obligors of
Pool Assets ( Financial Information).

 No single obligor represents 10% or more of
the pool assets held by Bridgecrest Lending Auto Securitization Trust 2024-4 (the " Issuing Entity ").

 Item 1114(b)(2) of Regulation
AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments ( Financial Information Regarding Significant Enhancement
Providers).

 No entity or group of affiliated entities
provides any external credit enhancement or other support with respect to either payment of the pool assets held by the Issuing Entity
or payments on the notes (the " Notes ") or certificates (the " Certificates ") issued by the Issuing
Entity.

 Item 1115(b) of Regulation AB.
Certain Derivatives Instruments ( Financial Information).

 No entity or group of affiliated entities
provides any derivative instruments that are used to alter the payment characteristics of the cashflows from the Issuing Entity.

 Item 1117 of Regulation AB. Legal
Proceedings.

 No legal proceedings are pending, and no proceedings
are known to be contemplated by governmental authorities, against any of the following companies, or of which any property of the following
companies is the subject, that are or would be material to holders of the Notes or the Certificates: Bridgecrest Acceptance Corporation
(the " Sponsor "), Bridgecrest Auto Funding LLC (the " Depositor "), Computershare Trust Company, National
Association (the " Indenture Trustee "), Bridgecrest Acceptance Corporation (the " Servicer ") or the
Issuing Entity.

 The following items have been
omitted in accordance with General Instruction J to Form 10-K:

 Item 5. Market for Registrant's Common Equity, Related Stockholder
Matters and Issuer Purchases of Equity Securities.

 Item 6. [Reserved]

 Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations.

 Item 7A. Quantitative and Qualitative Disclosures About Market Risk.

 Item 8. Financial Statements and Supplementary Data.

 Item 9. Changes in and Disagreements With Accountants on Accounting
and Financial Disclosure.

 Item 9A. Controls and Procedures.

 Item 9B. Other Information.

 None.

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent
Inspections.

 The following items have been omitted in
accordance with General Instruction J to Form 10-K:

 Item 10. Directors, Executive Officers and Corporate Governance.

 Item 11. Executive Compensation.

 Item 12. Security Ownership of Certain Beneficial Owners and Management
and Related Stockholder Matters.

 Item 13. Certain Relationships and Related Transactions, and Director
Independence.

 Item 14. Principal Accountant Fees and Services.

 Substitute information provided in accordance
with General Instruction J to Form 10-K:

 Item 1119 of Regulation AB. Affiliations
and Certain Relationships and Related Transactions.

 Information required by Item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119 of Regulation AB.

 Item 1122 of Regulation AB. Compliance
with Applicable Servicing Criteria.

 The Servicer and the Indenture Trustee (collectively,
the " Servicing Participants ") have each been identified by the registrant as a party participating in the servicing
function with respect to the pool assets held by the Issuing Entity. Each of the Servicing Participants has provided a report on an assessment
of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which Servicing Reports are
attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation
report (each, a " Report on Assessment ") by one or more registered public accounting firms, which Reports on Assessment
are also attached as exhibits to this Form 10-K. None of the Servicing Reports or the Reports on Assessment have identified
any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Participants.

 Item 1123 of Regulation AB. Servicer
Compliance Statement.

 The Servicer has been identified by the registrant
as a servicer with respect to the asset pool held by the Issuing Entity. The Servicer has provided a statement of compliance with applicable
servicing criteria (a " Compliance Statement "), signed by an authorized officer of the Servicer. The Compliance Statement
is attached as an exhibit to this Form 10-K.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1)

 (a)(2)

 (a)(3)
 Those exhibits required by Item 601 of Regulation S-K are listed in Item 15(b) below.

 (b)
 The exhibits required by Item 601 of Regulation S-K.

 The exhibits listed below are either included or incorporated by reference
as indicated:

 Exhibit

 No.

 Document Description

 3.1

 Certificate of Formation of the Depositor (incorporated by reference to Exhibit 3.1
 to the Registration Statement on Form SF-3 (No. 333-271899) filed with the Commission by the Depositor on May 12,
 2023 (the "Registration Statement")).

 3.2

 Limited Liability Company Agreement of the Depositor (incorporated by reference to Exhibit 3.2
 to the Registration Statement).

 4.1

 Indenture, dated as of October 23, 2024 (the "Closing Date"), between
 Bridgecrest Lending Auto Securitization Trust 2024-4 (the "Issuer"), Bridgecrest Lending Auto Securitization Grantor
 Trust 2024-4 (the "Grantor Trust") and the Indenture Trustee (incorporated by reference to Exhibit 4.1 to the Current
 Report on Form 8-K filed with the Commission by the Depositor on October 23, 2024 (the "Closing 8-K")).

 10.1

 Purchase Agreement, dated as of the Closing Date, between the Sponsor and the Depositor
 (incorporated by reference to Exhibit 10.1 to the Current Report on the Closing 8-K).

 10.2

 Sale and Servicing Agreement, dated as of the Closing Date, among the Issuer, the Grantor
 Trust, the Depositor, the Servicer, Computershare Trust Company, National Association, as standby servicer (the "Standby Servicer"),
 and the Indenture Trustee (incorporated by reference to Exhibit 10.2 to the Current Report on the Closing 8-K).

 10.3

 Receivables Contribution Agreement, dated as the Closing Date, between the Issuer and
 the Grantor Trust (incorporated by reference to Exhibit 10.3 to the Current Report on the Closing 8-K).

 10.4

 Administration Agreement, dated as of the Closing Date, among the Issuer, the Grantor
 Trust, Bridgecrest Acceptance Corporation, as administrator (the "Administrator"), and the Indenture Trustee (incorporated
 by reference to Exhibit 10.4 to the Current Report on the Closing 8-K).

 10.5

 Amended and Restated Trust Agreement, dated as of the Closing Date, between the Depositor
 and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (the "Owner
 Trustee") (incorporated by reference to Exhibit 10.5 to the Current Report on the Closing 8-K).

 10.6

 Amended and Restated Grantor Trust Agreement, dated as of the Closing Date, between the
 Issuer and Wilmington Trust, National Association, not in its individual capacity but solely as grantor trust trustee for the Grantor
 Trust (the "Grantor Trust Trustee") (incorporated by reference to Exhibit 10.6 to the Current Report on the Closing 8-K).

 10.7

 Asset Representations Review Agreement, dated as of the Closing Date, among the Issuer,
 the Grantor Trust, the Sponsor, the Servicer and Clayton Fixed Income Services LLC, as asset representations reviewer (the "Asset
 Representations Reviewer") (incorporated by reference to Exhibit 10.7 to the Current Report on the Closing 8-K).

 31.1

 Certification of Senior Officer in Charge of Securitization of the Depositor pursuant
 to Section 302 of the Sarbanes-Oxley Act of 2002.

 33.1

 Report on Assessment of Compliance with Applicable Servicing Criteria of the Servicer.

 33.2

 Report on Assessment of Compliance with Applicable Servicing Criteria of the Indenture
 Trustee.

 34.1

 Attestation Report on Assessment of Compliance with Servicing Criteria of Grant Thornton
 LLP, on behalf of the Servicer.

 34.2

 Attestation Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers
 LLP, on behalf of the Indenture Trustee.

 35.1

 Servicer Compliance Statement of the Servicer.

 Item 16. Form 10-K Summary.

 Not applicable.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 BRIDGECREST AUTO FUNDING LLC, as Depositor

 By:

 /s/ Daniel Gaudreau

 Name:

 Daniel Gaudreau

 Title:

 President (senior officer in charge of securitization)

 March 28, 2025

 Supplemental Information to be Furnished
With Reports Filed Pursuant to Section 15(d) of the Act by Registrants Which Have Not Registered Securities Pursuant to
Section 12 of the Act

 No annual report to security holders, proxy statement, form of proxy
or other proxy soliciting material has been sent to security holders or is anticipated to be furnished to security holders subsequent
to the filing of this annual report on Form 10-K.


FORM 10-K

 UNITED
STATES

 SECURITIES
AND EXCHANGE COMMISSION

 Washington,
D.C. 20549

 FORM 10-K

 (Mark
One)

 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For
the fiscal year ended December 31, 2024.

 or

 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 For
the transition period from to

 333-224689;
333-224689-01; 333-257355; 333-257355-01; 333-280854-01

 (Commission File Numbers)

 SYNCHRONY
CARD ISSUANCE TRUST

 (Exact Name of Issuing Entity as Specified in its Charter)

 Central Index Key Number of Issuing Entity: 0001724789

 SYNCHRONY
CARD FUNDING, LLC

 (Exact Name of Depositor as Specified in its Charter)

 Central Index Key Number of Depositor: 0001724786

 SYNCHRONY BANK

 (Exact Name of Sponsor as Specified in its Charter)

 Central Index Key Number of Sponsor: 0001602566

 Delaware
(State or Other Jurisdiction of Incorporation or Organization of the Registrant)

 82-3295851

 (I.R.S. Employer Identification No. for Registrant)

 777 Long Ridge Road

Stamford, CT 06902

 (877)
441-5094
(Address and Telephone Number of Principal Executive Offices of Registrant)

 Securities registered pursuant to Section 12(b) of
the Securities Exchange Act of 1934:
 None
Securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934:
 None

 Indicate
by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
Yes No

 Indicate
by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the
Securities Exchange Act. Yes
No

 Indicate
by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file
such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes No

 Indicate by check mark whether the registrant
has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§
232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes No

 Indicate by check mark whether the registrant
is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.
See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company,"
and "emerging growth company" in Rule 12b-2 of the Exchange Act:

 Large
 accelerated filer

 Accelerated
 filer

 Non-accelerated
 filer

 Smaller
 reporting company

 Emerging
 growth company

 If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness
of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered
public accounting firm that prepared or issued its audit report.

 If securities are registered pursuant to Section 12(b) of
the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an
error to previously issued financial statements.

 Indicate by check mark whether any of those error
corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's
executive officers during the relevant recovery period pursuant to §240.10D-1(b).

 Indicate by check mark whether the
registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes No

 State the aggregate market value of the voting
and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the
average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second
fiscal quarter.

Registrant does not have any voting or non-voting common equity held by non-affiliates as of the date of this report, has not been involved
in bankruptcy proceedings during the past five years and is not a corporate registrant.

 Documents Incorporated by Reference. None.

 THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE
WITH GENERAL INSTRUCTION J TO FORM 10-K:

 (A)
 Item 1:

 Business

 (B)
 Item 1A:

 Risk Factors

 (C)
 Item 1C:

 Cybersecurity.

 (D)
 Item 2:

 Properties

 (E)
 Item 3:

 Legal Proceedings

 Item 1B. Unresolved Staff Comments.

 Item 4. [Reserved].

 THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE
WITH GENERAL INSTRUCTION J TO FORM 10-K:

 (A)
 Item 5

 Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

 (B)
 Item 6:

 [Reserved].

 (C)
 Item 7:

 Management's Discussion and Analysis of Financial Condition and Results of Operations

 (D)
 Item 7A:

 Quantitative and Qualitative Disclosures about Market Risk

 (E)
 Item 8:

 Financial Statements and Supplementary Data

 (F)
 Item 9:

 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

 (G)
 Item 9A:

 Controls and Procedures

 Item 9B. Other Information.

 None.

 THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE
WITH GENERAL INSTRUCTION J TO FORM 10-K:

 (A)
 Item 10:

 Directors, Executive Officers and Corporate Governance

 (B)
 Item 11:

 Executive Compensation

 (C)
 Item 12:

 Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

 (D)
 Item 13:

 Certain Relationships and Related Transactions, and Director Independence

 (E)
 Item 14:

 Principal Accountant Fees and Services

 Item 15. Exhibits, Financial Statement Schedules.

 (a) List
of documents filed as part of this Report

 (1) Not
applicable.

 (2) Not
applicable.

 (3) The
exhibits listed below are either included or incorporated by reference as indicated.

 Exhibit 3.1

 Certificate of Formation of Synchrony Card Funding, LLC, dated November 2, 2017 (incorporated by reference to Exhibit 3.1 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 3.2

 Amended and Restated Limited Liability Company Agreement of Synchrony Card Funding, LLC, dated May 1, 2018 (incorporated by reference to Exhibit 3.2 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 4.1

 Amended and Restated Master Indenture, dated as of May 1, 2018, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 4.2

 SynchronySeries Indenture Supplement, dated as of September 26, 2018, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on October 2, 2018)

 Exhibit 4.3

 Supplement No. 1 to SynchronySeries Indenture Supplement, dated as of May 28, 2021, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on June 2, 2021)

 Exhibit 4.4

 Class A(2022-1) Terms Document, dated as of April 18, 2022, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on April 22, 2022)

 Exhibit 4.5

 Risk Retention Agreement, dated as of April 18, 2022, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on April 22, 2022)

 Exhibit 4.6

 Class A(2022-2) Terms Document, dated as of July 15, 2022, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on July 20, 2022)

 Exhibit 4.7

 Risk Retention Agreement, dated as of July 15, 2022, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on July 20, 2022)

 Exhibit 4.8

 Class A(2023-1) Terms Document, dated as of August 9, 2023, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on August 11, 2023)

 Exhibit 4.9

 Risk Retention Agreement, dated as of August 9, 2023, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on August 11, 2023)

 Exhibit 4.10

 Class A(2023-2) Terms Document, dated as of November 15, 2023, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on November 20, 2023)

 Exhibit 4.11

 Risk Retention Agreement, dated as of November 15, 2023, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on November 20, 2023)

 Exhibit 4.12

 Class A(2024-1) Terms Document, dated as of March 18, 2024, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on March 22, 2024)

 Exhibit 4.13

 Risk Retention Agreement, dated as of March 18, 2024, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on March 22, 2024)

 Exhibit 4.14

 Class A(2024-2) Terms Document, dated as of July 30, 2024, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York
Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance
Trust and Synchrony Card Funding, LLC on August 5, 2024)

 Exhibit 4.15

 Risk Retention Agreement, dated as of July 30, 2024, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance Trust
(incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card
Funding, LLC on August 5, 2024)

 Exhibit 4.16

 Class
 A(2025-1) Terms Document, dated as of February 18, 2025, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York
 Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card
 Issuance Trust and Synchrony Card Funding, LLC on February 24, 2025)

 Exhibit 4.17

 Risk
 Retention Agreement, dated as of February 18, 2025, among Synchrony Bank, Synchrony Card Funding, LLC and Synchrony Card Issuance
 Trust (incorporated by reference to Exhibit 4.2 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony
 Card Funding, LLC on February 24, 2025)

 Exhibit 4.18

 Amended
 and Restated Trust Agreement, dated as of May 1, 2018, among Synchrony Card Funding, LLC, Citibank, N.A. and Citicorp Trust Delaware,
 National Association (incorporated by reference to Exhibit 4.7 of the Form SF-3 Registration Statement filed on May 4, 2018 (No.
 333-224689 and 333-224689-01))

 Exhibit 4.19

 Custody
 and Control Agreement, dated as of November 30, 2017, between Synchrony Card Issuance Trust, as Issuer, and The Bank of New York
 Mellon, as Custodian and Indenture Trustee (incorporated by reference to Exhibit 4.8 of the Form SF-3 Registration Statement filed
 on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 4.20

 Amended
 and Restated Receivables Sale Agreement, dated as of May 1, 2018, between Synchrony Bank, as Seller, and Synchrony Card Funding,
 LLC, as Buyer (incorporated by reference to Exhibit 4.9 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689
 and 333-224689-01))

 Exhibit 4.21

 Amended
 and Restated Transfer Agreement, dated as of May 1, 2018, between Synchrony Card Funding, LLC, as Transferor, and Synchrony Card
 Issuance Trust, as Buyer (incorporated by reference to Exhibit 4.10 of the Form SF-3 Registration Statement filed on May 4, 2018
 (No. 333-224689 and 333-224689-01))

 Exhibit 4.22

 Amended
 and Restated Servicing Agreement, dated as of May 1, 2018, between Synchrony Card Issuance Trust and Synchrony Bank (incorporated
 by reference to Exhibit 4.11 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 4.23

 Administration
 Agreement, dated as of November 30, 2017, between Synchrony Card Issuance Trust and Synchrony Bank (incorporated by reference to
 Exhibit 4.13 of the Form SF-3 Registration Statement filed on May 4, 2018 (No. 333-224689 and 333-224689-01))

 Exhibit 4.24

 Supplement No.1 to Amended and Restated Master Indenture, dated as of May 20, 2024, between Synchrony Card Issuance
Trust and The Bank of New York Mellon, as Indenture Trustee (incorporated by reference to Exhibit 4.1 of the current report on
Form 8-K filed by Synchrony Card Issuance Trust and Synchrony Card Funding, LLC on May 21, 2024)

 Exhibit 10.1

 Asset
 Representations Review Agreement, dated as of August 15, 2018, among Synchrony Bank, as Seller and as Servicer, Synchrony Card Funding,
 LLC, as Transferor, Synchrony Card Issuance Trust, as Issuer, and Clayton Fixed Income Services LLC, as Asset Representations Reviewer
 (incorporated by reference to Exhibit 4.1 of the current report on Form 8-K filed by Synchrony Card Issuance Trust and Synchrony
 Card Funding, LLC on August 20, 2018)

 Exhibit 31.1

 Certification of Officer
 of Depositor delivered with respect to Synchrony Card Issuance Trust

 Exhibit 33.1

 Report on Assessment of Compliance
 with Servicing Criteria for Asset-Backed Securities of Synchrony Bank

 Exhibit 33.2

 Report on Assessment of Compliance
 with Servicing Criteria for Asset-Backed Securities of The Bank of New York Mellon

 Exhibit 34.1

 Attestation Report on Assessment of Compliance with Servicing for Asset-Backed Securities of KPMG LLP, on behalf of Synchrony Bank

 Exhibit 34.2

 Attestation Report on Assessment of
 Compliance with Servicing for Asset-Backed Securities of KPMG LLP, on behalf of The Bank of New York Mellon

 Exhibit 35.1

 Servicing Compliance Statement of
 Synchrony Bank

 (b)
 Exhibit list.

 See Item 15(a)(3) above
for a list of exhibits filed in response to Item 601 of Regulation S-K.

 Item 16. Form 10-K Summary.

 SUBSTITUTE INFORMATION PROVIDED IN ACCORDANCE
WITH GENERAL INSTRUCTION J TO FORM 10-K:

 Item 1112(b) of Regulation AB. Significant
Obligors of Pool Assets (Financial Information).

 Item 1114(b)(2) of Regulation AB. Credit
Enhancement and Other Support, Except for Certain Derivatives Instruments (Information Regarding Significant Enhancement Providers).

 I tem 1115(b) of Regulation AB. Certain
Derivatives Instruments (Financial Information).

 Item 1117 of Regulation AB. Legal Proceedings.

 Except as disclosed in the following paragraph,
there are no legal proceedings pending or proceedings known to be contemplated by governmental authorities against any of Synchrony Card
Master Issuance Trust (the " Issuing Entity "), The Bank of New York Mellon (" BNY "), as indenture
trustee (the " Indenture Trustee "), Citibank, N.A. (" Citibank "), as owner trustee (the " Owner
Trustee "), Citicorp Trust Delaware, National Association, as Delaware trustee (the " Delaware Trustee "), Synchrony
Bank (the " Sponsor ") or Synchrony Card Funding, LLC (the " Depositor ") or of which any property of
the foregoing is subject, that are material to holders of the notes of Synchrony Card Issuance Trust.

 In the ordinary course of business, BNY is named
as a defendant in legal actions. In connection with its role as trustee of certain residential mortgage-backed securitization (" RMBS ")
transactions, BNY has been named as a defendant in a number of legal actions brought by RMBS investors. These lawsuits allege that the
trustee had expansive duties under the governing agreements, including the duty to investigate and pursue breach of representation and
warranty claims against other parties to the RMBS transactions. While it is inherently difficult to predict the eventual outcomes of pending
actions, BNY denies liability and intends to defend the litigations vigorously.

 Item
1119 of Regulation AB. Affiliations and Certain Relationships and Related Transactions.

 The information required by item 1119 of Regulation
AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

 Item 1122 of Regulation AB. Compliance with
Applicable Servicing Criteria.

 Each of the Sponsor and BNY (in its capacity as
Indenture Trustee) (collectively, the " PPSFs ") has been identified by the registrant as parties participating in the
servicing function with respect to more than 5% of the pool assets held by the Issuing Entity. Each of the PPSFs has completed a
report on an assessment of compliance with the servicing criteria applicable to it (each, a " Servicing Report "), which
Servicing Reports are attached as exhibits to this Form 10-K. In addition, each of the PPSFs has provided an attestation report
(each, an " Attestation Report ") by one or more registered public accounting firms, which Attestation Reports are also
attached as exhibits to this Form 10-K.

 Neither the Servicing Reports nor the Attestation
Reports have identified any material instances of noncompliance with the servicing criteria applicable to the PPSFs, except as indicated
below:

 Exceptions: BNYM has provided the following
disclosure for inclusion in this Form 10-K:

 1122(d)(3)(ii): Amounts due to investors are
allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.

 1122(d)(3)(ii):

 Noncompliance:

 During the Period, the first distribution
for the Consumers 2023 Securitization Funding LLC transaction due on September 3, 2024 ($82,421,673.75) was remitted one day late.

 Remediation:

 The Company has implemented a daily
report, which is distributed daily to Management, that identifies outstanding deal onboarding items serving as a reminder of tasks not
yet completed as another check in the process aimed at preventing missed payments. Additionally, programmers are working to build a status
report at an individual level, rather than a group level, flagging individuals that have deal onboarding tasks to complete.

 The identified instances of noncompliance
by BYNM did not involve the servicing of pool assets held by the Trust.

 We have not independently verified the accuracy
of BNYM's assertions or the adequacy of its remediation efforts.

 Item 1123 of Regulation AB. Servicer Compliance
Statement.

 The Sponsor has completed a Statement of Compliance with applicable
servicing criteria (the " Compliance Statement ") signed by an authorized officer of such servicer. The Compliance Statement
is attached as an exhibit to this 10-K.

 SIGNATURES

 Pursuant to the requirements
of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

 Date: March 28, 2025

 SYNCHRONY CARD FUNDING, LLC, as Depositor

 By:

 /s/ Christopher Coffey

 Name:

 Christopher Coffey

 Title:

 Vice President, and as the senior officer in charge of securitization

 Supplemental Information to be Furnished With
Reports Filed Pursuant to Section 15(d) of the Act by Registrants Which Have Not Registered Securities Pursuant to Section 12
of the Act.

 No annual report or proxy materials have been
sent to security holders and no such report or proxy materials are to be furnished to security holders subsequent to the filing of this
Annual Report on Form 10-K.