Auto Loans

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*TermMaximum Discount Rate
2.75% – 10.75%up to 48 monthsas low as 2.00%
3.00% – 11.00%49 to 60 monthsas low as 2.25%
3.25% – 11.25%61 to 72 monthsas low as 2.50%
3.50% – 11.50%73 to 84 monthsas low as 2.75%
Rate Discounts
Auto Pay0.25%
Flip Flop Auto 0.25%
1st Choice Auto (2021 & 2020 only)0.30%
Over $10,000 on deposit0.15%
More than 2 open/active Loans0.05%

User Cars 2016 & Older

APR*TermMaximum Discount Rate
4.25% – 12.25%up to 36 monthsas low as 3.80%
4.50% – 12.50%37 to 48 monthsas low as 4.05%
4.75% – 5.75%49 to 60 months*as low as 4.30%

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