[1] APR = Annual Percentage Rate. Rates and terms accurate as of and are subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates and payment examples assume excellent borrower credit history, a 60-month term and a loan-to value (LTV) of 90% or less. Minimum auto loan amount is $3,750. Rate applies to loan amounts up to a maximum of $100,000.
NEW AUTO LOAN. Loan rates and terms applicable to new vehicles only. New vehicles are defined as the current or previous model year vehicle with less than 5,000 miles.
Payment Example: For a term of 60-months based on new car rate of 6.38% APR; estimated monthly payment of 19.51 per $1,000.00 borrowed.
USED/REFINANCE AUTO LOAN. Loan rates and terms applicable to used/refinance vehicles only. Used/Refinance vehicles are defined as a vehicle that is 2-9 model years older than the current model year. Payment Example: For a term of 60-months based on used car rate of 7.03% APR; estimated monthly payment of 19.82 per $1,000 borrowed.
Auto loans on “Classic” vehicles that are 25 years and older is available at higher rates and subject to program requirements.
[2] Terms up to 96 months (new auto) or 84 months (used auto) are available at higher rates, based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. For vehicles that are 8-9 model years old, maximum term is 63 months. Additional conditions may apply.
[3] Interest will accrue during the 90-day period.
[4] Borrowing up to 125% loan-to value (LTV) is available at higher rates, based on creditworthiness. For vehicles that are 8-9 model years old, maximum LTV is 100%.
[5] Lease Buyouts exclude vehicles with lease agreements to: Ford, Nissan & Infiniti.
[6] If refinancing to a longer term, you may lower your monthly payments, but you may also increase the total interest paid over the life of the loan. It is important to carefully consider the amount of any costs associated with refinancing as well as the interest charges that you are obligated to pay over the life of the loan.
All credit products are subject to credit and collateral approval. Rates, loan programs, terms, and conditions are subject to change without notice. Bethpage does not finance auto purchases from vehicle auction sites. Additional restrictions and limitations may apply. Bethpage does not currently offer Auto Refinancing in Louisiana. To obtain a loan product from Bethpage, membership is required by opening a minimum $5.00 share savings account prior to loan closing.
