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.
| ZONE 1+ (FICO 720+*) 60 Months 66 Months 72 Months 75 Months 84 Months |
4.25% 4.55% 4.60% 5.10% 6.35% |
| ZONE 1 (FICO 719-690*) 60 Months-66 Months 72 Months 75 Months 84 Months |
5.50% 5.90% 6.40% 7.65% |
| ZONE 2 (FICO 689-670*) 60 Months-66 Months 72 Months-75 Months |
7.55% 8.05% |
| ZONE 3 (FICO 669-650*) 60 Months 66 Months 72 Months-75 Months |
9.65% 10.15% 10.65% |
| ZONE 4 (FICO 649-630*) 60 Months-66 Months 72 Months-75 Months |
11.89% 12.89% |
| ZONE 5 (FICO 629-610*) 60 Months 66 Months 72 Months-75 Months |
13.65% 13.90% 14.40% |
| ZONE 6 (FICO 609-580*) 60 Months 66 Months 72 Months-75 Months |
16.65% 17.00% 17.40% |
| ZONE 7 (FICO 579-520*) 60 Months 66 Months 72 Months-75 Months |
20.90% 21.15% 21.40% |
New Vehicle Protection Plans
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44 Auto Center Dr.
Tustin, CA 92782