* Annual Percentage Rates effective: 2/1/2023 and is subject to change. 1.99% APR applies to 36 month term new vehicle purchases only and includes a 0.25% discount for enrollment in automatic monthly loan payments and 0.25% discount for using the Tower Car Buying Service with TrueCar Guaranteed Savings certificate. Not all applicants will qualify for the lowest rate. Rates, terms and conditions vary based on creditworthiness and program requirements. Other conditions including acceptable collateral apply. A monthly payment example on a new purchase auto loan amount of $20,000 at 1.99% APR for 36 months is $573.23.