Based on approved credit through Citidel Fed Credit Union 6% apr up to 84 months on current year and one year old, 72 months at 6% apr on vehicles 2 years old through 5 years old 6% apr on vehicles 6 and 7 years old, 10% apr on vehicles 8 years and older. Not all vehicles will qualify depending on individual decisions made by Citidel Federal Credit Union based on amount financed and credit worthiness of the customer. 20% Cash down required in all circumstances and tax and tag are additional