1 To get the Santander Bank, N.A. automobile loan (Loan) annual percentage rates (APRs) shown, you must reside in CT, DC, DE, MA, ME, NH, NJ, NY, PA, RI or VT, must have or open a Santander checking account and must authorize automatic payment from that account. The APR will increase by 0.25 percentage points, and the payment will increase, if automatic payment from your Santander checking account is discontinued. The advertised rates are some of our best rates. The rate for which you qualify will be based on your credit history, vehicle age, down payment (if any), loan amount as a percentage of vehicle value, loan term and the payment option you select. Minimum loan amount is $5,000 and maximum is $75,000. Loans are available to finance up to 100% of the value of the vehicle offered as collateral. The monthly payment amount on a $25,000 loan secured by a new vehicle with a 60-month term, 80% LTV and 2.54% APR is $444.13. The monthly payment amount on a $15,000 loan secured by a used vehicle with a 60-month term, 80% LTV and 2.99% APR is $269.46. Sixty-month terms on used vehicle loans are available on loans secured by 2010 through 2016 model year vehicles. Seventy-two (72) month terms are available only on loans secured by new vehicles (2015 and 2016 model year vehicles with 5,000 or fewer miles) and do not qualify for our lowest standard rates. Older vehicles require shorter loan terms. Rates and other terms accurate as of 03/01/2016 and may change thereafter. Auto Loans subject to approval.