How Do I...

• Do I have to pay to lock in my interest rate?
  Do I have to pay to lock in my interest rate?

  Absolutely not, we have a free rate lock program that guarantees your interest rate for 30 days.  Check our rate lock policy for full details.
• What are the different terms?
  What are the different terms?

  Loan terms vary, up to 60 months in duration, depending on the age of the vehicle. 
• Are there any fees?
  Are there any fees?

  There are no regular fees. The only fees that may apply are for ATMs that are non-Merchants Bank and not part of the Allpoint network. You will be charged for a new card if you need a replacement before the regular reissue date.
• What’s the difference between a debit and credit card?
  What’s the difference between a debit and credit card?

  A debit card takes the funds directly from your bank account when you make a purchase. A credit card is like borrowing money - your bank will pay the vendor and you agree to pay back the bank. 
• Use Automated Phone Banking?
  Use Automated Phone Banking?

  Automated Phone Banking is available from any touch-tone phone, including cell phones. For more information, and a downloadable instructions, click here.