*$100 cash incentive disbursed upon closing of loans $5,000 and greater APR is Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Members with credit scores in Tiers 3 and below can reduce their current rate by up to 2% to a floor of 3.25% APR. Members with credit scores in Tiers 4 and higher can reduce their current rate by up to 1% to a rate floor of 7.99% APR. Additional relationship discounts do not apply to this promotional offer. Multiple discounts and promotions cannot be combined. Member must provide documentation of current rate. Financing up to 100% of the NADA retail value of the auto is available. If the everyday low rate you qualify for is better than this special offer, the everyday low rate will be applied and you will still receive $100 cash. Rates and rate floor are subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer. Payment on loan at 3.25% APR for a term of 60 months would be $18.00 per $1,000 borrowed. This offer may not be available on collateral previously financed at Texas People. Credit may not be extended if, after you respond, we find that you do not meet the following criteria, including but not limited to, length of employment, your income, debt status, and ability to pay in relation to the loan amount requested. Additional criteria may apply. We can cancel this offer if you do not meet the criteria established.