Terms & Conditions

¹Some restrictions apply.
 

²Some restrictions apply. Interest will continue to accrue.
 

^*Discounts: 0.25% for Automatic Transfer of your loan payment from your Island Checking Account
0.50% for Direct Deposit to your Island Checking Account (Minimum $400/month direct
deposit required)
 

Discounts apply to new auto loans; existing Island auto loans are ineligible. If you fail to initiate or continue your Automatic Transfer of your loan payment from your Island Checking Account and/or fail to initiate or continue your $400 minimum Direct Deposit to your Island Checking Account, you will lose any loan rate discount(s) given in consideration of such automatic transfer and/or direct deposit. Thereafter, your loan APR will be the non-discounted APR as initially disclosed to you. Your payment will remain unchanged and your term may be extended. If your loan has a variable rate feature, the APR and (corresponding Daily Periodic Rate) may vary.
 

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement including court costs and reasonable attorney fees.
 

Late Charges: Payments received 10 days or more after due date will incur late charge of 5% of past due payment amount
 

All loans are subject to credit approval. Your overall credit worthiness will determine the interest rate available to you (Preferred, Standard Plus, Standard, or Custom). Fees and charges may apply.