*Minimum APR (Annual Percentage Rate) of 3.49% applies, term of at least 36 months and loan amount of $10,000 or more. VISA Gift Card will be distributed once the loan has been approved, closed and all qualifying criteria are met. Rates vary based on length of term, age of vehicle, and your individual credit worthiness. Excludes internal refinances. Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice. Excludes internal refinances.