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* APR = Annual Percentage Rate. These rates are available to well-qualified borrowers when payroll deduction or direct deposit is selected as the method of repayment. Some applicants will qualify at higher rates as determined by creditworthiness. For model years 2015-2013, your payments will consist of 60 monthly payments of $17.51 on each $1,000 borrowed at 1.95% APR. For model year 2012, your payments will consist of 60 monthly payments of $17.64 on each $1,000 borrowed at 2.25% APR. Some restrictions apply. Rates will increase after closing if you stop paying your loan by automatic payroll deduction or direct deposit. Rates subject to change without notice. Competitive rates available for older models and refinances. Membership required.