Rates for these products are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term and loan to value for vehicle loans. Total amount financed, term, and use of either MSRP or Factory Invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book value for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing.