"APR may vary if the Amount Financed exceeds TFS's Maximum Advance for the
contract, your FICO score is below 520 and/or you apply for 72-84 month
financing. Ask your dealer to explain how APRs vary for FICO scores below
520 and 72-84 month financing.
Maximum Advance means the total amount financed less cancelable optional
products financed with the vehicle, expressed as a percent of dealer
invoice (new). Finance contracts with Maximum Advances of over 120% for
applicants with FICO Scores of more than or equal to 650 or over 100% for
FICO scores of less than 650 will result in an increase of the APR by .25
or .50 respectively."