*The first payment may be deferred up to 90 days, however, interest is not deferred and begins accruing on the loan disbursement date. Certain restrictions apply. Offer cannot be combined with any other promotional auto refinance offer. Loans are subject to credit approval. 0.80% (80 basis points) off qualified rate. A loan processing fee will be assessed at 2% of the approved loan amount ($30 minimum, $85 maximum). The loan processing fee will affect the Annual Percentage Rate (APR) shown. Existing auto loans with Addition Financial do not qualify. Up to two vehicles at promo rate. Minimum refinance amount is $7,500. Loan terms are available for up to 78 months. To receive the discounted rate this offer requires monthly a minimum of $2,000 direct deposit setup into an Addition Financial Benefits Checking or legacy ECU Rewards Checking account initiated prior to the closing of your loan. Payment Example: A fixed 5.09% APR (which includes $85 processing fee) for a 78-month loan would be an estimated $150.70 monthly payment for each $10,000 borrowed. This example does not include optional extended warranty products which may increase the payment amount.  Not all applicants will qualify for the lowest rate. Membership eligibility is required. Limited time offer and subject to change or end without notice.