Credit union · Massachusetts

St. Jean's Credit Union auto loan rates compared

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Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on stjeanscu.com

EligibilityPer St. Jean's: If you live or work in the Essex, Middlesex or Suffolk Counties of the Commonwealth of Massachusetts, are a retiree of the City of Revere & the Town of Winthrop Massachusetts; or are an immediate family member as defined as spouse, son, daughter, mother, father, sister, or brother; or are an employee of H.P. Hood, you are eligible to become a member of St. Jean's Credit Union.

Visit lender Opens stjeanscu.com

Lowest new rate

5.24%APR, as low as

New24 monthsSt. Jean's Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 24 months at 5.24% APR. Estimated payment: $1,100/mo

Assumes fixed APR, $0 down, no fees.

MA lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 6 rates

MAChecked Nov 13, 2026

New
As low as

5.24%APR24 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 5.24% APR. Estimated payment: $1,100/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. New Car Loans - 2025-2026 Models or Newer: 24 Months, APR* 5.24%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

New
As low as

5.24%APR36 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. New Car Loans - 2025-2026 Models or Newer: 36 Months, APR* 5.24%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

New
As low as

5.24%APR48 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. New Car Loans - 2025-2026 Models or Newer: 48 Months, APR* 5.24%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

New
As low as

5.24%APR60 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. New Car Loans - 2025-2026 Models or Newer: 60 Months, APR* 5.24%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

New
As low as

5.74%APR72 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. New Car Loans - 2025-2026 Models or Newer: 72 Months, APR* 5.74%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

New
As low as

6.49%APR84 months

2025 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. New Car Loans - 2025-2026 Models or Newer: 84 Months, APR* 6.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

5.24%APR

New car

Visit lender, St. Jean's Credit Union, 5.24% APR, new, 24 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 5.24% APR. Estimated payment: $1,100/mo

Assumes fixed APR, $0 down, no fees.

5.24%APR

New car

Visit lender, St. Jean's Credit Union, 5.24% APR, new, 36 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.24%APR

New car

Visit lender, St. Jean's Credit Union, 5.24% APR, new, 48 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

5.24%APR

New car

Visit lender, St. Jean's Credit Union, 5.24% APR, new, 60 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, St. Jean's Credit Union, 5.74% APR, new, 72 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

New car

Visit lender, St. Jean's Credit Union, 6.49% APR, new, 84 months, 2025 or newer models

MA · 2025 or newer modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 6 rates

MAChecked Nov 13, 2026

Used
As low as

5.49%APR24 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 5.49% APR. Estimated payment: $1,103/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Used Car Loans - 2023-2024 Models: 24 Months, APR* 5.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

Used
As low as

5.49%APR36 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.49% APR. Estimated payment: $755/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Used Car Loans - 2023-2024 Models: 36 Months, APR* 5.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

Used
As low as

5.49%APR48 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.49% APR. Estimated payment: $582/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Used Car Loans - 2023-2024 Models: 48 Months, APR* 5.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

Used
As low as

5.49%APR60 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Used Car Loans - 2023-2024 Models: 60 Months, APR* 5.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

Used
As low as

5.99%APR72 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Used Car Loans - 2023-2024 Models: 72 Months, APR* 5.99%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

MAChecked Nov 13, 2026

Used
As low as

6.49%APR84 months

2023–2024 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Used Car Loans - 2023-2024 Models: 84 Months, APR* 6.49%. "Annual Percentage Rate (APR) effective 10/6/26. Published rates reflects a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice. Other terms and conditions may apply."

Checked Nov 13, 2026Source stjeanscu.com

5.49%APR

Used car

Visit lender, St. Jean's Credit Union, 5.49% APR, used, 24 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 5.49% APR. Estimated payment: $1,103/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

Used car

Visit lender, St. Jean's Credit Union, 5.49% APR, used, 36 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.49% APR. Estimated payment: $755/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

Used car

Visit lender, St. Jean's Credit Union, 5.49% APR, used, 48 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.49% APR. Estimated payment: $582/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

Used car

Visit lender, St. Jean's Credit Union, 5.49% APR, used, 60 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

Used car

Visit lender, St. Jean's Credit Union, 5.99% APR, used, 72 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

Used car

Visit lender, St. Jean's Credit Union, 6.49% APR, used, 84 months, 2023–2024 models

MA · 2023–2024 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Essex, Middlesex, Suffolk & groupsEssex, Middlesex, Suffolk & groups: For a specific group: only open to people who live or work in Essex, Middlesex, or Suffolk County, MA, retirees of Revere and Winthrop, immediate family of members, or H.P. Hood employees. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.