Loans
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#1 auto lender in Otero, Lincoln & Chaves Counties
Vehicle Loans
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| Type of Loan | Maximum Loan Amount | Base Term | Base APR |
|---|---|---|---|
| New Automobiles (Cars, Trucks, and Vans) | |||
| (Never been titled and less than 12,000 miles / a refinance from another lender within 90 days of purchase) | Up to 125% of Manufacturer's suggested retail price including freight per the current new car pricing guide, plus premiums for debt protection, extended warranty, GAP, tire & wheel protection, paint & dent protection, state regulated documentation fee, tax, title and license fees | Up to 48 months | 6.49% |
| 49 - 60 months | 6.99% | ||
| 61 - 75 months | 7.24% | ||
| 76 - 84 months | 7.74% | ||
| Used Automobiles (Cars, Trucks, and Vans) | |||
| Current calendar year, up to 3 years old | Up to 125% of retail value per the JD POWER Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, tire & Wheel protection, paint & dent protection, state regulated documentation fee, tax, title and license fees | Up to 48 months | 6.49% |
| 49 - 60 months | 6.99% | ||
| 61 - 75 months | 7.24% | ||
| 76 - 84 months | 7.74% | ||
| Four to ten years old | Up to 125% of retail value per the JD POWER Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, tire & wheel protection, paint & dent protection, state regulated documentation fee, tax, title and license fees | Up to 48 months | 6.99% |
| 49 - 60 months | 7.49% | ||
| 61 - 75 months | 7.99% | ||
| 76 - 84 months | 8.49% | ||
| Eleven years and older | Up to 125% of retail value per the JD POWER Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, state regulated documentation fee, tax, title and license fees | Up to 48 months | 8.49% |
| 49 - 60 months | 8.99% | ||
Note: Vehicles 20 years or older may be financed up to the JD POWER Classic Car average value plus adds.
GAP (Guaranteed Asset Protection) Plus, which covers any difference between an insurance payout and the balance owed if the car is totaled or stolen.
Mechanical Repair Coverage (MRC), which covers mechanical repair costs.
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