New Cars 2021 & 2020

APR*	Term
2.00% – 10.00%	up to 60 months
2.55% – 10.55%	61 to 84 months

Rates based on borrower credit score

Used Cars 2021 – 2017

APR*	Term	Maximum Discount Rate
3.25% – 11.25%	up to 48 months	as low as 2.50%
3.50% – 11.50%	49 to 60 months	as low as 2.75%
3.75% – 11.75%	61 to 72 months	as low as 3.00%
4.00% – 12.00%	73 to 84 months	as low as 3.25%

Rate Discounts
Auto Pay	0.25%
Flip Flop Auto	0.25%
1st Choice Auto (2021 & 2020 only)	0.30%
Over $10,000 on deposit	0.15%
More than 2 open/active Loans	0.05%

User Cars 2016 & Older

APR*	Term	Maximum Discount Rate
4.75% – 12.75%	up to 36 months	as low as 4.30%
5.00% – 13.00%	37 to 48 months	as low as 4.55%
5.25% – 6.25%	49 to 60 months*	as low as 4.80%

Advertised rates labeled “Maximum Discount Rate” are credit score based and are equivalent to an A borrower with all maximum rate discounts applied (0.75% or 0.45%)

*=Used Cars 2016 & Older C, D, & E scores max 48 mo. term

* APR = Annual Percentage Rate