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1 DEFERRED PAYMENT: Optional. Interest accrues from date of the contract. Qualified borrowers only, available for terms up to 75 months, certain restrictions apply. First payment may be deferred up to six months and is dependent upon when your loan closes. Your deferment may be six months or less. Deferred payment is not available for refinances of existing SCCU auto loans. When selecting the six months no payment offering, your interest will continue to accumulate on a daily basis from the date you sign your loan agreement. This may result in one or more of your initial payments being applied only to interest, until all accumulated interest is satisfied, and not reduce your principal balance. Certain restrictions apply, based on creditworthiness.

2 RATES: APR is Annual Percentage Rate. Rates are subject to change. Certain restrictions apply. Qualified borrowers only. Loan interest rates can vary based on your credit history, model year, term selected, loan to value (LTV), and payment method. Yours may be different. Our usual credit criteria apply. You may be asked to furnish a down payment. All rates shown are fixed rate loans.