New Cars 2020 & 2019

APR*	Term
2.49% – 10.49%	up to 60 months
2.65% – 10.65%	61 to 84 months

Rates based on borrower credit score

Used Cars 2020 – 2016

APR*	Term	Maximum Discount Rate
3.50% – 11.50%	up to 48 months	as low as 2.75%
3.75% – 11.75%	49 to 60 months	as low as 3.00%
4.00% – 12.00%	61 to 72 months	as low as 3.25%
4.25% – 12.25%	73 to 84 months	as low as 3.50%

Rate Discounts
Auto Pay	0.25%
Flip Flop Auto (2019 & 2018 only)	0.25%
1st Choice Auto (2019 & 2018 only)	0.30%
Over $10,000 on deposit	0.15%
More than 2 open/active Loans	0.05%

User Cars 2015 & Older

APR*	Term	Maximum Discount Rate
5.00% – 13.00%	up to 36 months	as low as 4.55%
5.25% – 13.25%	37 to 48 months	as low as 4.80%
5.50% – 6.50%	49 to 60 months*	as low as 5.05%

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 2015 & Older C, D, & E scores max 48 mo. term

* APR = Annual Percentage Rate