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Auto Loan Products   (as of March 2008)     Auto Loan     Product Description 1. Financing for the purchase of brand new units and used cars 2. Refinancing of existing used car units Features Year-Model Minimum Down Payment Maximum Term 2004 and up 30% appraised value 36 months 2001 - 2003 40% appraised value 24 months 1998 - 2000 40% appraised value 24 months 1994 - 1997 50% appraised value 18 months Rates Year-Model Add-on Rate 2006 & UP 6% 2004 - 2005 8% 2001 - 2003 9% 1998 - 2000 13% 1994 - 1997 16%     Bus Loans     Product Description 1. Financing for the purchase of brand new units and Japan reconditioned bus units 2. Refinancing of existing used bus units Features . Minimum Down Payment Maximum Term Brand New Bus Units 30% of cash prize 36 months Japan Reconditioned Bus Units 40% appraised value 24 months Refinancing 50% appraised value 24 months Rates Term Add-on Rate 12 months 15.11% 18 months 21.26% 24 months 28.23% 36 months 41.60%     Downloadable Forms   Application Requirements... [Get it here] Application Form... [Get it here]