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Actual Annual Percentage Rate may vary based on creditworthiness, age of vehicle, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Minimum loan amount is $5,000; the maximum interest rate is 17.99% APR. To be eligible, total debt-to-income ratio must be less than 45%, and unsecured debt-to-income ratio must be less than 50%. Eligibility is also based on your loan-to-value ratio and other underwriting standards. GCAFCU Membership is required.