Discounts reduce the amount of interest you pay over the life of the loan.
Variable interest rates are based on an Index, plus a margin.
The APR for a variable rate loan may increase during the life of the loan if the index increases. Rates are current as of 04/01/2018 and subject to change without notice.
Variable interest rates are based on market conditions, so if market rates go up, so do your interest rate and monthly payments.
Fixed interest rates stay the same over the life of the loan. Your interest rate will be determined by several factors when you apply, most importantly your credit history and that of your cosigner, if applicable.