AUTO LOANS

Auto Loan Disclosure: Auto Loan Disclosure: APR=Annual Percentage Rate. Published rates are subject to change at any time without notice. Rates, terms, and loan amounts are based on creditworthiness and are subject to approval. Advertised “as low as” APRs may be reduced by up to an additional 0.75% through eligible relationship discounts, including a 0.25% Auto Pay discount and a 0.50% direct deposit discount. In no event will the final Annual Percentage Rate, after application of all discounts, be lower than the floor rate of 4.99%. The 0.25% Auto Pay discount requires automatic payments (Auto Pay) from a SkyOne savings or checking account. If Auto Pay is canceled during the term of the loan, the APR will increase by 0.25%. The 0.50% direct deposit discount requires at least two (2) ACH deposits greater than $1.00 totaling $1,000 or more within a rolling seventy (70) day period. Direct deposit must be established within seventy (70) days from the date of loan funding. If the direct deposit requirement is not met or maintained, the APR will increase by 0.50%. Maximum term for purchase or refinance loans is 84 months for new and used vehicles. For loan terms of 72 months or less, the minimum amount financed is $10,000. For loan terms greater than 72 months up to 84 months, the minimum amount financed is $25,000. Maximum Rate & Payment Example: If you borrowed $25,000 at the maximum APR of 18.00% for an 84-month term, the estimated monthly payment would be $525.46. Payment examples assume the first payment due date is 30 days after loan funding. ¹Restrictions apply. Offer valid only for vehicles purchased within the contiguous United States, Alaska, and Hawaii, and only for vehicles purchased within the state where the vehicle will be registered. ²Up to 125% financing based on approved credit and vehicle valuation. ³The first payment may be deferred up to 90 days after loan funding. Interest begins accruing on the date the loan is funded and may increase the principal balance due to the delayed first payment. Payments by phone may be accepted for all loans except first mortgages. A service charge may apply for each payment made using the Payment by Phone service. Please refer to the current Schedule of Service Charges for applicable fees. Payments to a SkyOne loan cannot be made using a SkyOne credit card. The maximum payment amount using this service is $5,000.