1. Terms up to 84 months. Your rate may vary depending on credit history, credit profile, vehicle, term and underwriting factors. Rate will not go below the floor of 4.74% APR. APR = Annual Percentage Rate. Model years older than 2016 excluded. Existing AltaOne loans are not eligible for refinancing. $5,000 minimum refinance loan amount. AltaOne membership required. 2. No payments for up to 90 days: You must notify AltaOne of your desired payment start date at the time of loan closing. Your payment date must be within 90 days of loan funding. Interest accrues from date of funding. 3. Cash Back Bonus: 1% of the amount financed up to a maximum of $500. If the refinanced loan is paid off within 6 months, then the cash back bonus will be added to the loan payoff amount. Promotion may end at any time, with or without notice. All credit union loan programs, rates, terms, and conditions are subject to change without notice.