All loans subject to credit approval and membership eligibility. Restrictions may apply for purchases and refinances outside of California and/or outside your state of residence. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

Maximum NEW auto loan amount is MSRP plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). Maximum USED auto loan amount is average Kelley Blue Book plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). LTV is based on risk tier.

Rates shown are for our highest credit tier plus an Ambassador Membership Rewards level bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates.

72 & 84-Month Terms – Vehicles must be less than three model years old with less than 36,000 miles, the minimum loan amount is $20,000.
48 & 60-Month Terms – Vehicles must be less than five model years old with less than 60,000 miles, the minimum loan amount is $10,000.
36-Month Terms or below – Vehicles must be less than seven model years old with less than 75,000 miles, the minimum loan amount is $5,000.

Payment Example: A 60-month Auto Loan at 2.24% APR would result in monthly payments of $17.64 for each $1,000 borrowed.