I/we certify that each of the statements made and answers given in this credit application are true and correct and is made for the purpose of inducing the financing of the purchase of a motor vehicle. I/we authorize the obtaining of a consumer report to be used in evaluating this application and the obtaining and exchanging of credit information from and with other creditors and consumer reporting agencies. Cash down payments may be required. Interest rates vary from 5.9% to 29.9% OAC. For example $10 000 borrowed at 7.1% for 60 months is equal to $1908 cost of borrowing.