1 APR = Annual Percentage Rate. Civic membership required. Subject to approval. Offer not available for existing Civic auto loans. Rate and credit limit based on member’s credit history. Interest will accrue from date of loan closing; contact Civic for details. Deferred payment option results in up to 90-day extension of the loan. Offer valid through 2/16/26. Borrower must be at least 18 years old and live in NC, SC, VA, GA, or TN. Vehicles with branded (flooded, salvaged, or reconstructed) titles or motorcycles, boats, RVs, and commercial vehicles are not acceptable collateral. New vehicle defined as less than 1 year old with maximum 10,000 miles at loan origination; vehicle value based on MSRP. For 96-month term, minimum loan is $50,000; maximum loan is $125,000. Used vehicle defined as 14 years or less with maximum 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Civic will finance 100% of NADA or J.D. Power value, plus additional 10% to cover purchase-related expenses such as tax, tags, and extended warranties. Maximum term of 84 months for vehicles 10 years and less; maximum 60-month term for vehicles 10 to 14 years. Exceptions for vehicles older than 14 years are at the discretion of Civic. Cash-out available when vehicle is fully owned with no current liens on title. Collision and comprehensive insurance, with a minimum $1,000 deductible per policy, is required for duration of loan. Payment examples, excluding insurance, are New: For $35,000 loan at 4.99% APR, 72 monthly payments of $564 and Used: For $25,000 loan at 5.25% APR, 60 monthly payments of $475.

2 Message and data rates may apply. 

3 Guaranteed Asset Protection Plus (GAP+) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Eligibility requirements, conditions, and exclusions may apply; you will receive additional information before being required to pay the fee for this product. You may cancel the protection at any time. If you cancel within 90 days, you will receive a full refund of any fee paid. GAP+ is made available and processed through TruStage. It may not cover the entire deficiency between your loan balance and the amount your insurance will pay. You will be responsible for any remaining loan balance after GAP+ insurance has been paid. A total loss claim is determined by your auto insurance provider. After a total loss payout, members have 120 days from the insurance check issuance to receive $1,000 toward the principal balance on a new auto loan financed by Civic. Loans are subject to credit approval.