*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application, credit information, loan term and year of vehicle. Not all applicants will qualify for the lowest rate. Six-year terms available for loans exceeding $20,000. Seven-year terms available for loans exceeding $30,000. Rates quoted assume borrower credit history as selected and new or current year vehicle. This is not a firm offer of credit. You will need to submit a credit application for loan consideration. Any savings shown above is a reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. Your actual savings will depend on the terms on which you refinance.