The interest rate used for comparison is 4.99% APR. The payment is based on the following terms by model year of vehicle; 96 months for 2015, 2014, 2013; 84 months for 2012; 72 months for 2011, 2010, 2009; 60 months for 2008 (with an admin fee of $499), excluding any taxes and additional fees. The bi-weekly payment and interest rate is only an estimate. The APR used for comparison may be below or above the rate you actually receive. Contact a representative for more details.