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Why didn I receive the lowest annual percentage rate available or other special program features?

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Why didn I receive the lowest annual percentage rate available or other special program features?

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A. Our independent lenders determine the annual percentage rate as well as qualification for promotional financing features based on its underwriting guidelines. Customers not eligible for the lowest available rate or a promotional financing feature may still be offered financing. Increasing the amount paid each month can reduce the total finance charges.

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