The rates quoted above are for applicants with excellent credit histories. Your rate may be higher. This is not a commitment to make a loan. 

* Based on an average existing loan with an initial principal balance of $20,000 payable over five years at 17.35% APR in equal monthly installments of $500.82 each, which is refinanced after twelve months at 13.46% APR, resulting in a reduction of the monthly installments to $466.67 each and a saving of $1,639.20 over the remaining 48 months, assuming all of the installments were paid on their due date. Your loan terms and savings may be different. Your vehicle must be 2000 or newer with less than 80,000 miles. Offer not valid on existing auto loans with HSBC Auto Finance or its affiliates.

** APR is the Annual Percentage Rate. Rates quoted are offered depending on the individual's excellent credit histories. Your rate may be higher. This is not a commitment to make a loan. An example of payment terms is as follows: a loan amount of $20,000 with an APR of 6.25% and a term of 60 months, would have a monthly payment of $389.36. Rates are subject to change without notice.