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5.99% for 3 year loans - No Down Payt for qualified buyers ; or 7.99% for 5 year loan ; or 9.99% for extended years loan-100% of Contract Amount is financed with No Down Payment required. No interest charged if loan amount paid off in first 18 months. A monthly payment is required for 18 equal monthly payments. O% interest charged when paid in full. Example : $10,000 Loan is $125 minimum monthly payment at 9.99% APR, no down payment; or $10,000 Loan is $300 minimum monthly payment at 5.99% APR , no down payment required.