*APR = Annual Percentage Rate. APR based on payment method, creditworthiness, loan terms and collateral. Rates, terms and conditions are subject to change. 3.24% APR limited to 48 month term for new autos and 3.49% APR limited to 48 month term used autos. Low as rate includes .25% APR discount for ACH payments and .25% discount paid for with Go Points. Auto rate does not apply to vehicles older than 8 model years. Qualifying vehicle loans with a balance $50,000 and greater than are subject to a .50% higher rate. Qualifying vehicle loans with a balance $75,000 and greater are subject to a .75% higher rate. Qualifying vehicle loans with a balance $100,000 and greater are subject to a 1.00% higher rate. Based on a minimum loan of $5,000 with a term of 48 months, and APR of 3.24%, which includes ACH and go points discounts and no down payment would have an estimated monthly payment of $111.20 compared to a minimum loan of $5,000 with a term of 48 months, and APR of 3.74% and no down payment, and no ACH or go points discounts would have an estimated monthly payment of $112.30. All examples are hypothetical and are for illustrative purposes only. Your payment amount will differ based on a variety of factors, including when your first payment is due.