The Fine Print
*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. Monthly payment examples: a new or used vehicle for $20,000 at 1.74% APR for 36 months = $571.00 and for 60 months at 1.99% = $350.00. To be eligible you must apply for and qualify for a car loan. Offer not valid on car loans with current interest rates 1.74% APR or lower; model years 2013 or older; existing ACFCU car loans; maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and apply for the car loan via our Online Application. Loan and membership requirements apply. Offer ends 12.31.2020.
1Not all members qualify for payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred payments may not exceed 90 days. For refinancing of joint car loans, both borrowers may be required to qualify for the offer.
2Payments made under the Flex Car Loan will not pay off the total loan balance and there will be an outstanding balance at the end of the loan term. Monthly payment examples: New vehicle: $20,000 for 60 months at 3.99% = $268.00. Used vehicle: $20,000 for 60 months at 4.49% = $298.00. Flex Car payment examples are based on new 2020 Kia Forte 2WD 4D Sdn FE Automatic Transmission and used 2016 Hyundai Santa Fe 2WD 4dr Wagon SE. Payment examples may be different due to payment protection, etc. Flex Car payments are specific to the type of car and its residual value calculation. Calculator is not a guarantee of credit. Disposition fee of $195.00.
**Skip-A-Pay is an optional program to defer a consumer loan payment for a $35 per skipped loan payment. Your loan must be open for one year to be potentially eligible for this benefit. Other qualifications apply. Finance charges will continue to accrue at the rate provided in your original loan agreement during and after the payment deferral. Deferring your payment(s) will result in higher finance charges and will extend the term of your loan(s). You will be required to resume regular monthly payment(s) the following month. Offer subject to change at ACFCU’s sole discretion.
3Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
4Limited powertrain warranty: begins on the vehicle purchase date & extends for 12 months or 12,000 miles, whichever comes first. Coverage runs concurrently with manufacturer warranty. Restrictions apply. See a Sales Consultant for details.
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