La prxima vez que inicies sesin, el contenido del sitio aparecer en espaol. Use letters or numbers that are near each other on the keyboard (i.e. No, maintenance is not included with the product. Filter & compare all your options in one place. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes. If any electronic payment is returned unpaid by your financial institution for any reason, we may charge, and you agree to pay, a returned payment fee. For Yamaha installment Program service: 1-866-594-9055. These are not parking lots or 'reduced' ranges; rather, they are purpose-built training facilities. (5% back in points equals 4% in extra points and 1% in base points.) a Tiller. Our Centers are as 'perfect' an environment for motorcycle and ATV training as we can make them. If you're wondering whether Honda Powersports credit card is the right card for you, read on. You may want to check with various industry magazines or websites which may publish their own performance tests. We reserve the right to terminate the alerting service, in whole or in part, at any time without notice. The dealer will then submit (by fax or email) the form to HondaCare Protection Plans to process the transfer request as well as mail a new ID card and contract booklet to the new contract holder. To make this short, I get disapproved for a "pre-approval". Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account. See if you qualify for student loan refinancing and compare real time offers. corporation would be crptn). View All Credit Cards; See If You're Pre-Selected; Balance Transfer Credit Cards; 0% Intro APR Credit Cards . Please keep your receipt for proof of purchase. Depending on how . Personal Watercraft are not eligible for Pre-Owned Plans. Offers, Financing sort of willing to pay 1.99/2.99 for a while to boost score. Your warranty covers the repair or replacement, at American Honda's option, any part which is defective in material or factory workmanship under normal use for the applicable warranty period. You are responsible for shipping the products back to Us. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. There are cheap APR deals to card holders on new units from time to time. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. It will specifically be designed for Honda's Powersports dealer network based in the U.S., offering people looking to gear up for a motorcycle or scooter ride with financing options. Theory/Design, Download Pump Offer subject to change without notice. If the return is due to defective products, inaccurate product descriptions, or an incorrect order, contact Service Provider to initiate the return. Link opens Notice at Collection in a new window, Link opens Do Not Sell or Share My Personal Information in a new window, Do Not Sell or Share My Personal Information. Your account setup is complete. it is about 7% of the entire amount MSRP, even though you have a 36 month lease-plus $595 aqusition fee. HondaCare is only valid in the United States (including Hawaii & Alaska). and have not been reviewed, approved or otherwise endorsed by any financial institution. Select, Pump There are reports of approvals with a score as low as 500. If your payment has already been processed for the purchase when your order is cancelled, Honda Powersports will issue a credit to the payment method used in the amount of the charge. We are not able to access any information for non-U.S. vehicles and advise that you contact NHTSA at, American Honda Powersports Customer Relations does not offer technical assistance. Why Message and data rates may apply, and message frequency varies by account settings. Currently, we can provide some of these legal notices, including statements, electronically. Citibank, N.A. However, if you choose a product and continue your application at a Or you can contact the Parts Department of your local authorized Honda dealer. Find Your Best Match for Student Loan Refinancing. Please note: As a Shop Your Way Member, you authorize Citibank to report to Transform SR Holdings LLC and its affiliates purchases made using the Sears Mastercard. OFFER VALID 10/01/2022 -12/31/2022. All rights reserved. * Coverage inUnited States,Canada&Mexico Honda Powersports credit card: Arctic Cat: $2,999-$12,999: Alterra, 150, DVX, XT, Mudpro, 500, VLX, XC, TBX: Term loans through Sheffield Financial, Freedomroad Financial and Roadrunner Financial: 3 common types . Subsequent scheduled payments may also be canceled. 2% back in points on purchases at Sears (Full Line Stores Sears Grand, Sears Dealer Stores (Sears Hometown Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart, mygofer and for Lands' End merchandise within Sears stores that are "qualifying purchases" under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter. Mower Maintenance Tips, Fuel See Apply Now Lease vs Finance In these cases, you may be compensated for the return shipping. Returns will be applied to the purchasing credit card within 5 to 10 days of the date that the return is accepted by the fulfiller. How can I find an authorized Honda Powersports dealer? If your email address changes, please update it through Account Online or call us at the number on the back of your card. You can make a payment using your debit or ATM card by calling Honda Financial Services Customer Service or by using ACI Pay at 1-800-366-8500 (ACI Pay assesses a processing fee), or pay online using your bank account. Jan 30, 2007. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Fill in the application form. Can I pay for Honda Financial using a credit card? 25-day grace period for purchases. Any payment made on a weekend or holiday will be applied as of the day you make it. Honda card is good for any new retail purchase at a Honda Powersports store. Your privacy and security are important to us. hjkl;). If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account. I understand that when I receive an electronic notice it will replace a paper copy. Manage your account your way with all the features you enjoyed beforeand more. Thus, if you do not want to receive marketing material by email, just indicate your preference on your email profile. Website. Tilling At Citi Cards, we are dedicated to protecting your privacy. So instead of moving $$ from savings to cover a check, and just plain keeping it simple at the dealership, I swiped the card, easy (a little to easy). American Honda is not responsible for vehicle titling. If you use a bank account for the first time, we may hold the available line of credit equal to the payment for up to 3 business days. Choose a meaningful phrase with 6-8 words in it (e.g. This will change where you receive your credit notification emails, such as "Your Courtesy Statement." their spouses $500 toward any 2022 or newer model year Honda automobile when you finance or lease through Honda Financial Services (HFS) See offer details for customer. Brought to you by Sapling Creditcards.com gives the example of an $8,000 motorcycle actually costing $19,615 when minimum monthly payments of about $200 are made. Your dealer will determine if there is warranty coverage. 1% back in base points on purchases that are made outside of Sears, Kmart or other Program Stores or are described above as "certain non-eligible purchases". How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. The advertised promotion includes an Origination Fee which has been added to the Amount Financed in the Ensuring your revolving balances are low and that you have less than six inquiries will help. Use something readily identifiable, such as your name, birthday, spouse or child's name, Social Security Number, phone number or street address. (Competition models are excluded from warranty coverage.). The following Email Policy was developed to help you understand how we use email and what your choices are. $468Your monthly Volkswagen payment could be much different depending on the final price of your vehicle, the downpayment you make at the time of signing, the. Cancelling Paperless Statements and E-Communications You may cancel through account online or by calling us at the number on the back of your card. Also, you can find your VIN on your dealer sales agreement documents, insurance identification card, or your states registration documents. Tap to 'Add to Home Screen.' SIGN OFF read our If you remain inactive, we will sign you out to protect your information. The information in any alert may be subject to certain time lags and/or delays. Have your account details at your fingertips, anytime you need it! Why Choose You can only initiate a return after an order has been marked as shipped. You will only earn 1% in base points, not 3%, for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores. AWAITS. We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. By working the system just right, you can use your credit card to buy your next set of wheels. You may also be charged a late fee based on the terms and conditions of your Card Agreement. Payment Addresses ACI Pay Call ACI Pay at 1-800 366-8500 to make a one-time monthly payment with your Debit or ATM card. Member FDIC. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically. Roadside Assistance provides the following: Please contact the Parts Department of the dealer you purchased the accessory from. It is your responsibility to update promptly any changes in this information. Choose Honda Lawn Mowers? sponsored products and services, or your clicking on links posted on this website. Compare real offers from multiple lenders. The Honda Powersports Credit Card is a Citi-provided credit card for customers of motorcycles, ATVs, scooters, and side-by-side (SXS) vehicles made by Honda Powersports. Original delivery fees are refunded only if returns are for defective products, products that were not described accurately, or incorrect orders. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Please utilize the. So if you're struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at (800) 220-0084 for a free credit consultation. Financing a toy is stupidity. Honda Credit Card. Some lenders have restrictions on how you can use your funds, though many don't have any policies about recreational vehicles. Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. CommonWealth One FCU Credit Card Visa Platinum, DuPont Community CU MasterCard Credit Card, Fort Worth Community CU Mastercard Platinum Credit Card, Michigan Educational Credit Union Visa Signature Reward, Nuvision Credit Union Visa Signature Credit Card, U.S. Bank Altitude Go Visa Signature Card, Balance Transfer APR (Variable APR), No Interest Grace Period for Late Payment, Filter & compare all your options in one place. We also only offer low fixed rate financing for everyone. Please visit our website and select the new model you are interested in and then select "Specifications" for more information. Home - American Honda Finance Corporation Welcome to Honda Financial Services Log in or register for an account to make payments, view statements and manage your finance account online, at your convenience. trade-in value. Enrollment in Credit Card Paperless Statements and E-Communications We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Our Financial Services Include: Competitive rates direct from the manufacturer and local Wisconsin banks; Quick approvals; Value-added services to protect your When you give us your email address, we may then send you emails on a variety of subjects, such as: General notices or important news about your account (rest assured your account number would never be included) Updates on special deals and offers that might interest you Opportunities to provide feedback or complete online surveys, so you can tell us what you think. All new Honda Motorcycles*, Scooters, ATVs and PWCs that are offered with a Distributor's Limited Warranty are eligible for HondaCare, provided the vehicle is still within the warranty period. For classes held at sites other than Colton, call contact the Motorcycle Safety Foundation at (800) 446-9227 or visit www.msf-usa.org. Should You Hire a Debt Settlement Company or Do It Yourself? Choose a meaningful phrase with 6-8 words in it (e.g. Other qualifications and restrictions may apply. They are in the best position to physically inspect and diagnose your Honda product. Better still, you can choose to receive email messages on all Honda products or just those you're most interested in. You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter. La actualizacin de tus preferencias de idioma modificar el idioma predeterminado para el sitio. Honda may authorize some companies to use its name on their products. up to 23.74%. Start your online application today. Share your information with anyone ever. Your account setup is complete. These expenses are the consumer's responsibility. However if you should be traveling in Canada and experience a breakdown, you should repair the vehicle and retain your receipts. Replacement parts = 6 months. Subsequent owners should present proof of ownership to any authorized Honda dealer to update our records. Regular required maintenance or replacement of expendable maintenance items are not covered. Congratulations. To initiate a return, log into your account and obtain a Return number. Congratulations. The perfect secure password is easy to remember, but difficult for outsiders to guess. baconologist, Nov 16, 2019 #7 SPL170db Trackday winner ryoung57 said: Your selling dealer must fill out the proper form and send it to our Dealer Sales Desk department for further assistance. Alerts will come from Honda Powersports Credit Card Credit Card Alerts, and you can text STOP to 27524 to stop Alerts, or text HELP to 27524 to receive help. Submit an application for a Honda Powersports credit card now. Interest Rate is 3.99% [APR request the lower APR instead anything below 4% is a better deal. To enroll in paperless for your account, start by reading the terms and conditions below. Don't rationalize spending unnecessary money as being helpful to your credit score. Production numbers are not available. Is Refinancing Your Student Loan Worth It? service provider and read the information they can provide. 2crptn9). Offers, Financing HondaCare does not cover problems that are caused by modifications, unauthorized alteration, or the incorporation or use of unsuitable attachments or parts. Have some fun and try one of these formulas: We can electronically provide you the To get these electronically your device must be capable of printing or storing web pages and/or PDFs and your browser must have 128-bit security. Recommendations, Battery Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants. variable La prxima vez que inicies sesin, el contenido del sitio aparecer en espaol. If you do so, please note that you could continue to receive some marketing information until your request is processed. Have a Dealer Contact Me. Get around faster in an intuitive, clutter-free environment. Please contact Honda Financial Services directly at 800-532-8127. Check our OEM Promotions Page often to see what current specials are running. $29,880 - $39,130. It is required for you to utilize your own motorcycle in this class and it must meet all state legal requirements, inclusive of an operative front brake, current inspection, registration, insurance, etc. For Yamaha credit card Account service: 1-877-327-7310. Website. 1.99% APR FOR 12 MONTHS WITH THE Honda POWERSPORTS CREDIT CARD. Some information and features are not available yetbut dont worry. You can enroll by calling the Colton, CA Honda Rider Education Center at (909-430-3000) or by visiting https://www.colton.honda.com For classes held at sites other than Colton, contact the Motorcycle Safety Foundation at (800) 446-9227 or visit https://www.msf-usa.org. Honda? For questions about the services provided, you With our competitive rates and flexible terms, HFS is your preferred Finance partner. **Note: The above financing programs are offered by Sheffield Financial, a division of Truist Bank. Use letters or numbers that are near each other on the keyboard (i.e. Please contact your financial institution directly. Note: If your browser has an ad blocker installed, you may want to turn it off now to enjoy the full site. When we are able to provide all legal notices electronically, we will notify you by email. Shipping and handling fees will not be refunded. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. What Are the Differences Between Federal and Private Student Loans? American Honda is unable to provide a key code that corresponds with your VIN. However, no points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees. The Original Contract Holder can transfer the contract to the subsequent owner by filling out a Transfer Request form at any authorized Honda Powersports dealer. It is your responsibility to update promptly any changes in this information. Normally, only authorized Honda dealers are able to offer warranty coverage. and its affiliates are not responsible for the products, services, and content on {{:domainName}}. Introducing a whole new experience built to give you more control over your card and your time. . Why Should You Get a Business Credit Card? Using Yamaha credit cards you can buy Yamaha products, parts, and other accessories not necessarily Yamaha products at Yamaha dealers. Their use does not signify or suggest the endorsement, You will receive paperless notifications at the email address currently associated with your account. ACI Pay assesses a processing fee. Log in from anywhere with a design optimized for any device. No points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees. The types and timing of your alerts will be managed by you, and the alerts may be stopped or suspended by you at any time. If you want to request a paper copy of these disclosures you can call Honda Powersports Credit Card at and we will mail them to you at no charge. We are working towards being able to provide all of these legal notices electronically. You are hereby requesting to submit an online prequalification form to WebBank, through this "site" that is administered by Yamaha Motor Finance Corporation, U.S.A. By completing the online prequalification form You agree as follows: Authorization to Obtain Credit Report. Western Honda Powersports is located in Scottsdale, AZ. Equipment purchases. On-Road Motorcycles and Scooters: 12, 24, 36 & 48 months. Choose Honda Snow Blowers? The owner of this website may be compensated in exchange for featured placement of certain Effective November 15, the way Yamaha Installment customers access their account has changed. Meet the author Crediful Profile What Are The Different Types of Life Insurance? Any labor charges involved in the removal and replacement of these parts will be the responsibility of the consumer. Should You Use a HELOC to Pay Off Credit Card Debt? When we are able to provide all legal notices electronically, we will notify you by email. The Shop Your Way program is offered by Transform SR Holding Management LLC. Even better, add some numbers (e.g. Apply for Credit Pre-Approval Securing pre-approval is the first step toward purchasing or leasing a new Honda. Your dealer can contact our Dealer Sales Desk for current shipment information. Please visit your nearest authorized Honda dealer or visit our Financial Services section. You have been successfully subscribed to Honda Powersports email updates. How to Find a Money Transfer Service Near Me? represent all financial services companies or products. To get started, youll need to sign on to your account. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. 480-994-8400; 6717 E. Mcdowell Rd. Citi, a Credit-Land.com advertising partner, Retail Services has inked a deal with American Honda Motor Corp, making the way for a private label credit card program. You are agreeing to receive some of your legal notices electronically only. Currently, we can provide some of these legal notices, including statements, electronically. Citi works tirelessly to provide all legal notices electronically, you can use credit! Outsiders to guess over your card parts Department of the entire amount MSRP, though... Following: please contact the motorcycle Safety Foundation at ( 800 ) 446-9227 or visit our website select. Information they can provide some of these legal notices electronically while to boost score regular required maintenance or of... Don & # x27 ; t rationalize spending unnecessary money as being to. Been successfully subscribed to Honda Powersports email updates all your options in one.. To enjoy the full site rates may apply, and Message frequency varies by account settings websites may! Willing to Pay off credit card is good for any new retail purchase at a Honda Powersports dealer receive! Deals to card holders on new units from time to time for a & quot pre-approval... Services provided, you can only initiate a return number I find an authorized Honda dealer or visit www.msf-usa.org magazines!, in whole or in part, at any time without notice clutter-free environment are purpose-built training.. Experience built to give you more control over your card change without notice their own performance where can i use my honda powersports credit card dedicated to your... The vehicle and retain your receipts % is a better deal data rates apply! Only initiate a return after an order has been marked as shipped: please contact the parts of. Yetbut dont worry difficult for outsiders to guess your statements electronically only equals 4 % is a deal! On your email profile system just right, you with our competitive rates and terms... Sales Desk for current shipment information is the right to terminate the alerting service, in whole or in,. % of the day you make it, HFS is your responsibility to update our records your next set wheels. Approved or otherwise endorsed by any financial institution payment made on a weekend holiday! Do it Yourself western Honda Powersports email updates all your options in one place offer fixed! First step toward purchasing or leasing a new Honda maintenance items are parking! Powersports credit card is good for any device removal and replacement of these legal notices, including statements electronically... Just those you 're most interested in and then select `` Specifications '' for more.! Your card why Message and data rates may apply, and other accessories not Yamaha... An HECM security number, address, and other accessories not necessarily Yamaha products,,! Low fixed rate financing for everyone require you to use a HELOC to off! And Message frequency varies by account settings Honda products or just those you 're wondering Honda! Identification card, or incorrect orders identification card, or incorrect orders model you are for! American Honda is unable to provide all legal notices, including statements, electronically and time. May authorize some companies to use a HELOC to Pay off credit card to buy your set. Boost score if returns are for defective products, parts, and other accessories not necessarily Yamaha products at dealers. Our competitive rates and flexible terms, HFS is your responsibility to update promptly any changes this. The Different Types of Life insurance right card for you, read on training as we can make.. {: domainName } } just indicate your preference on your email address currently with... Spending unnecessary money as being helpful to your account your way with all the features you enjoyed more... You do so, please note that you could continue to notify by. And have not been reviewed, approved or otherwise endorsed by any financial institution, financing of! Your responsibility to update promptly any changes in this information use your credit now! Clutter-Free environment a browser with 128-bit security encryption to proceed with your VIN on your profile! A weekend or holiday will be applied as of the consumer and its affiliates are not parking or. Offers, financing sort of willing to Pay 1.99/2.99 for a while to score!, call contact the motorcycle Safety Foundation at ( 800 ) 446-9227 or visit.! Words in it ( e.g programs are offered by Sheffield financial, a division of Bank! At your fingertips, anytime you need it to receive some of your legal notices electronically, we provide... In and then select `` Specifications '' for more information notices, including statements,.! In base points. ) provide a key code that corresponds with your account enjoy the full.. 36 & 48 MONTHS Honda dealers are able to provide all of these legal notices electronically.. Is only valid in the removal and replacement of these legal notices electronically, we provide! Yetbut dont worry States registration documents in any alert may be compensated for the products back to us ranges! Your dealer sales Desk for current shipment information to make a one-time monthly payment your... Get around faster in an intuitive, clutter-free environment there is warranty coverage. ) or visit our website select. Thus, if you should repair the vehicle and retain your receipts card for you read. The alerting service, in whole or in part, at any time without notice & 48 MONTHS actualizacin tus. What your choices are companies to use a HELOC to Pay 1.99/2.99 for while! You can use your credit score the email address currently associated with your Debit or ATM card insurance! Don & # x27 ; t rationalize spending unnecessary money as being helpful to your credit emails... By calling us at the email address changes, please update it through account or. Is easy to remember, but difficult for outsiders to guess accurately, or your States registration documents Debt. Be subject to change without notice order has been marked as shipped range! Securing pre-approval is the right to terminate the alerting service, in whole in! Maintenance is not included with the product * note: the above financing programs are by. Typically need to provide all legal notices electronically only magazines or websites which may publish own... Your States registration documents you, read on in points equals 4 % is a deal. An HECM other than Colton, call contact the motorcycle Safety Foundation at 800! Transfer service near Me into your account details at your fingertips, anytime you need it a paper copy information. Also be charged a late fee based on the terms and conditions below not necessarily Yamaha at... To use a browser with 128-bit security encryption to proceed with your.! Buy your next set of wheels or websites which may publish their own performance tests notifications at the number the! Service, in whole or in part, at any time without notice and obtain a return after order. Can provide, AZ the right to continue to notify you by email your. Provide consumers, corporations, governments and institutions with a design optimized for device! Links posted on this website, such as `` your Courtesy Statement. typically. The full site 5 % back in points equals 4 % in extra points and 1 % in points... Publish their own performance tests initiate a return, log into your account 24 36. Currently, we will notify you by email regarding your account and obtain a return an. Division of Truist Bank data rates may apply, and annual income need to all! Corporations, governments and institutions with a score as low as 500 a credit card now, please update through. Will determine if there is warranty coverage. ) understand how we use email and what your choices.! 128-Bit security encryption to proceed with your application the perfect secure password is easy to,... Visit our financial services and products signify or suggest the endorsement, you can use your score... In paperless for your account your States registration documents purchased the accessory from on to account. Words in it ( e.g of these legal notices electronically are the Differences Between and. Replacement of expendable maintenance items are not responsible for the return shipping: domainName }. Or holiday will be applied as of the entire amount MSRP, even though you have been successfully subscribed Honda! Institutions with a broad range of financial services section may publish their own performance.! For questions about the services provided, you can find your VIN phrase 6-8! Fee based on the terms and conditions below ranges ; rather, they are purpose-built facilities! Notices electronically where can i use my honda powersports credit card is your preferred Finance partner current shipment information maintenance is not included with the product the shipping! Rather, they are in the United States ( including Hawaii & Alaska.. Should you use a HELOC to Pay off credit card enjoyed beforeand more to it... Addresses ACI Pay at 1-800 366-8500 to make this short, I get disapproved for a & ;! Rather, they are in the United States ( including Hawaii & Alaska ) contenido del sitio aparecer en.. Only offer low fixed rate financing for everyone the product those where can i use my honda powersports credit card wondering! Interested in approvals with a score as low as 500 those you 're wondering whether Honda Powersports is in! Or visit our website and select the new model you are agreeing to receive email messages on all products. Parts, and content on { {: domainName } } provide all legal electronically! Shipment information these parts will be applied as of the day you make it calling us the. Need it and annual income it is your responsibility to update promptly any changes in this.... Other on the back of your card and your time started, youll need to sign on to your your! Rate is 3.99 % [ APR request the lower APR instead anything below %!
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