APR = Annual Percentage Rate. Rates as low as 5.75% APR for qualified borrowers with approved credit. Actual rate depends on creditworthiness, loan term, and vehicle eligibility. $200 cash back available on qualifying direct auto loan purchases and external refinances. Cash back credited to member Straight4ward Rewards account within two days of funding. No payment for up to 90 days from loan funding date; interest accrues daily during deferral period and increases total finance charge. All loans subject to credit approval. Offer valid through 11/20/2026. Membership eligibility required. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply.