We want to help you get a new set of wheels! Our auto loan offers extended terms and affordable rates. Convenient pre-approvals are also offered so you can deal with the dealers on a "cash" basis. For your first car, a second for a growing family, a vehicle for work, or that recreational vehicle for a little fun, we can help you drive away happy. Rate for Current or Prior Year Used Vehicles with under 15,000 Miles.
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There are two basic parts to the total cost of car loan payments: principal and interest.
The principal is the negotiated cost of the vehicle itself.
The interest is the total amount of the costs accrued over the life of the loan based on the principal amount and the stated interest rate.
An interest rate is a basic rate charged to the borrower for the money loaned. The interest rate is normally expressed as a percentage for a one-year period and known as the annual percentage rate (APR).
The down payment is an upfront amount of cash paid by the borrower at the time of the purchase of the vehicle. It is usually expressed in terms of a percentage of the total price. It is not a legal requirement when taking out a car loan, but is almost always required by the lender.