The Car Club deals with every major bank and finance company to get you the lowest possible rate, and best terms for your next loan. Many customers with less than perfect credit can be approved at the same rate as those with perfect credit, however rates may vary based on vehicle year, consumer credit, and finance institution. Rates vary between 3.99 and 29.99 oac. The Car Club has no administration fees above advertised cash prices. Some additional fees may be associated with finance services provided by the dealer and finance institution that will be included and disclosed as part of the actual interest rate.