Disclosures
(1) APR is Annual Percentage Rate. The advertised rate of 4.14% APR included a 0.15% rate discount for setting up automatic payments at the time of loan origination. Rate discount will be applied based on the applicant's qualified rate. AgFed reserves the right to change the published rate at any time without advance notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval. The estimated monthly payment for a $20,000 new auto loan with a 36-month term at a rate of 4.14% APR is $591.88.
(2) Auto loan rate discount of 0.15% is available when automatic payments are set up at the time of loan origination. Offer does not apply to AgFed internal refinances or previously funded auto loans. Rate discount offer of 0.15% will be applied based on the applicant's qualified rate. Discount must be requested during the application process and all required forms must be completed at loan closing. Certain restrictions and conditions may apply. AgFed reserves the right to amend or withdraw this offer at anytime without prior notice.
(3) To qualify for the $100 bonus your application must be submitted between August 25, 2025 and September 8, 2025 and the loan must be disbursed by September 20, 2025. Upon verification, the bonus will be deposited into the member's share savings account within 30 calendar days after the loan has been disbursed. The bonus is considered interest and will be reported on IRS 1099-INT. If refinancing, Loan must be transferred from another financial institution. Applicants may also receive $100 off of optional Guaranteed Asset Protection (GAP) and/or $100 off Mechanical Repair Coverage (MRC) when either product is added to the auto loan and the loan amount financed is at least $10,000. Discount is applied at the time of loan funding and reflects a reduction in the standard cost of the selected protection product(s). This is a limited-time offer. AgFed reserves the right to terminate or amend this offer at any time without notice. Certain restrictions and conditions may apply. This offer may not be combined with other offers. Use promo code 0925 when applying.
(4) The purchase of Guaranteed Asset Protection (GAP) is optional. GAP is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term up to 84 months. Maximum loan to value paid on claim is 125%.
(5) The purchase of Mechanical Repair Coverage is optional. Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by Trustage. Coverage not available in CA or FL.
** New vehicles are the two (2) latest model years, currently 2024 and 2025. Used vehicles are currently 2018 model year to 2023. Minimum loan amount for a 72 month term is $25,000.00. Minimum loan amount for an 84 month term is $35,000.00.
*** Older used vehicles are 2017 model year and older. Financing is limited to $50,000.00 and loan terms cannot exceed 72 months. Financing for older used vehicles is available for up to 100% LTV.