Limited-time rate reduction will be valid and reflected in advertised "as low as" rates for applications for all consumer loan types submitted between 5/01/25 and 10/31/25. Applications submitted outside of these dates will not be eligible for discounted rates.

Illuminus Bank works with thousands of automobile dealerships across the country to assist our customers with the financing of their new and used vehicles. Illuminus Bank is not affiliated with these dealerships and does not require any particular dealership for your vehicle buying experience. Consequently, Illuminus Bank makes no warranties and representations and is not otherwise responsible for any aspect related to the purchase of your vehicle and associated products and services from these authorized dealerships.

Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Illuminus Bank auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Illuminus Bank through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.