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APR is the Annual Percentage Rate. The rate advertised can vary based on creditworthiness, age of vehicle and terms of the loan. APR is calculated according to the simple interest method.

Cash Back

car loansThe cash-back option is subject to credit requirements. The cash-back amount will be made available to you via check or electronic transfer and will be added to your loan amount. Interest will accrue on your cash-back amount. Vehicles up to seven years old may be eligible for cashback. Residents of the following states are NOT eligible for cash-back refinancing: AK, AR, CT, DC, HI, KS, KY, MA, MS, NC, ND, NE, NH, NJ, NM, NV, PA, VA.

Skip a Car Payment

car payment

Because the first monthly payment on your new auto loan may be due up to 30 days after the closing date, and the closing date maybe 0 to 30 days after the most recent monthly due date of your existing loan, you may not have a scheduled monthly payment due for 30 to 60 days after the most recent monthly due date of your existing loan. The actual number of days you may not have a scheduled monthly payment due may vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Interest will accrue on your existing loan until it is paid in full. Interest will accrue on your new loan beginning on the date the loan is funded.

Lower Your Payment Claim

payment claim

Yearly payment reduction claim is based on average payment reduction our customers experience over a year with their new loan (same or a longer-term) compared to their prior yearly loan payments. The yearly payment reduction may result from a lower interest rate, a longer-term or both. Approved applicants may receive a lower monthly payment. The monthly savings are a result of a longer-term, lower interest rate, or both and are based on a comparison of your new loan with Car Loans Of America and your prior loan. Savings may vary and your savings may be different.

† “Bad” or “Poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press),,, Investopedia, and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by Car Loans Of America.