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These brand-specific finance organizations are different from direct lenders — banks and credit unions — and from other third-party lenders, like Capital One, because they originate directly from the OEM selling the vehicle. How does captive financing benefit customers and dealers? make loyalty, respectively).
Still, S&P Global Mobility notes the average APR has risen for the upper-level credit tiers, but not for the lowest tier, including credit scores between 300–600. APR in August versus 5.4% According to S&P Global Mobility, credit unions now offer the lowest average rates in the industry at an average 4.7% for captives and 6.2%
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