APR may vary if the Amount Financed exceeds TFS's Maximum Advance for the contract, your FICO score is below 520 and/or you apply for 72-84 month financing. Ask your dealer to explain how APRs vary for FICO scores below 520 and 72-84 month financing.

Maximum Advance means the total amount financed less cancelable optional products financed with the vehicle, expressed as a percent of dealer invoice (new). Finance contracts with Maximum Advances of over 120% for applicants with FICO Scores of more than or equal to 650 or over 100% for FICO scores of less than 650 will result in an increase of the APR by .25 or .50 respectively.

NOTE: Rates are determined by the applicant(s) Automotive model FICO score from Equifax Beacon 5.0. A secondary credit bureau may be used to determine the rate subject to program guidelines. When an applicant and co-applicant exist, the qualifying tier will be based on the higher of the two applicants' FICO score. Sign'n Drive qualifications still apply for both applicants.