* Loans currently held by Flint Area School Employees Credit Union may not be refinanced under this offer. 

** APR = Annual Percentage Rate.  Rate is effective as of April 1, 2012.  1.99% APR applies to loans secured by a vehicle of a model year 2007 or newer.  Maximum term of loan depends on model year of vehicle.  Rates are subject to change prior to your application being received without notice.  Rate is based on credit history; rate shown is offered to members with good credit.  Members with less satisfactory credit may qualify for a loan at a higher interest rate.  No down payment required for approved and qualified borrowers.