These interest rates are in effect as of the date shown above.  We normally adjust these interest rates weekly but we may adjust any of our loan terms at any time without notice.  Please call to obtain today's rates.  Minimum down payment of 25% is required on all used autos, motorcycles and RVs.  Where a Minimum Downpayment is stated, we normally require a downpayment or existing equity of at least that percentage of the value, purchase price, or appraised value of the collateral.  APR is an abbreviation for Annual Percentage Rate.