APR=Annual Percentage Rate. Existing Heritage Grove auto loans are not eligible for this promotion. Current Automobile Loan Refinance APR is between 2.99% and 17.75% (includes 0.25% discount). The loan amount and APR you receive is based on your credit rating, loan-to-value of the vehicle and loan term. You will be provided the loan amount and rate for which you qualify when your loan is approved. Loan based on approved credit. Offer subject to change without notice. Application deadline is Sept. 30, 2020.