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New & Used Auto Loans
Our new and used auto loans offer competitive fixed rates, flexible terms and personalized service that will make buying a new car a pleasure. We can also pre-approve you for a loan before you start shopping. If you have an existing auto loan at another lender and would like to take advantage of our lower rates, we are ready to help.
New & Used Auto Loans
- Competitive rates
- Up to 110% financing on new vehicles, including tax, license, Credit Insurance, Guaranteed Asset Protection Advantage, and Mechanical Repair Coverage.
- Finance up to 110% of Kelley Blue Book value on used vehicles
- Affordable monthly payments with terms up to 120 months
- No pre-payment penalties
- Automatic loan payment with Direct Deposit
- Mechanical Repair Coverage available at an affordable price
- GAP Advantage protection available to protect you against financial loss in the event your vehicle is damaged beyond repair or stolen and never recovered
Auto Equity Loan
It isn't typical to think of your home when financing a new or used car but it is a smart option if you are interested in potential tax-deductible interest. With an Auto Equity Loan, Financial 21 places a "courtesy lien" on your owner-occupied residence. By doing so, you get a great rate, plus the interest paid on this fixed rate loan maybe tax-deductible. The ability to deduct interest for tax purposes is no longer available for consumer loans, however with the Auto Equity you may be able to qualify for the deduction-which could really help at tax time. Consult your tax advisor for specific IRS guidelines.
Auto Buying Service
Once you've been pre-approved for your auto loan, take advantage of New Cars Inc. (NCI), a FREE auto buying service for Financial 21 members. NCI has access to all makes and models, as well as discounts, rebates and other dealer incentives available throughout California. NCI offers leasing services, as well as a wide selection of used vehicles.
Visit NCI online at www.newcarsinc.com or call (800) 748-5747 for more information.
