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 |
| 2.75% – 10.75% | up to 48 months | as low as 2.00% |
| 3.00% – 11.00% | 49 to 60 months | as low as 2.25% |
| 3.25% – 11.25% | 61 to 72 months | as low as 2.50% |
| 3.50% – 11.50% | 73 to 84 months | as low as 2.75% |
| 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 |
| 4.25% – 12.25% | up to 36 months | as low as 3.80% |
| 4.50% – 12.50% | 37 to 48 months | as 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