All loans are subject to credit and collateral approval. The lowest advertised annual percentage rates (APRs) are available to well-qualified borrowers. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and the age and mileage of the vehicle. Advertised APR for vehicle loans only. Rates and terms may change at any time without notice. APR is fixed and will not increase after consummation. Advertised APR includes a 0.30% loan discount (example 6.29% – 0.30% = 5.99%). A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. Auto loan payment example: a $15,000 auto loan with an annual percentage rate of 6.29% for a term of 63 months will have an estimated monthly payment of $307.05, including optional debt protection.