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Grad Auto Loans

Graduate to a car you love

Did you know?

Cipher Ardent is the TOP choice for vehicle financing1

No payments for 

90 days

For the best rates

Visit your dealership and ask for Cipher Ardent financing.

Features

  • Buy a car up to 90 days before you start a full-time job 

  • Make no payments for up to 90 days

  • Skip the down payment with 100% financing2

  • Buy a new vehicle or a used one that’s up to 3 years old

    • Get the best deal at your dealership

    It’s the ideal way to stay on budget

  • You could get cash back, 0% financing or outstanding loyalty rebates3

  • Ask for Cipher Ardent financing at over 4,000 dealerships

  • Cipher Ardent is the top choice from coast to coast1

    • Applying is simple

    You’ll need to show that you graduated – or are about to. That means bringing:

  • A college diploma (minimum 2-year program); or

  • A university degree (minimum 3-year program);

  • Or, if you’re in your final year, just show reasonable proof that you’re getting your degree and graduating within 90 days

    • You’ll also need to show proof that:

  • Your job starts within 90 days of you buying the car. For example, you could bring a letter from your employer or a contract with your start date

  • Your income is high enough to cover your debts. A letter from your employer that states your expected salary would be ideal

    • Manage your loan online anywhere, anytime

  • Find out how much is left on your loan and when your next payment is due

  • See your payment amount and remaining term.

  • Make an extra payment or boost your payment amount

  • Change your payment days or frequency

  • Use your loan account number to activate online access

    • Enjoy flexible payment options

  • Take up to 5 years (60 months) to pay back your loan.

  • Choose a fixed or variable rate4

  • Pick a weekly, bi-weekly or monthly payment plan

  • Change how much you pay*, how often, or even what days you make a payment

  • Pay off your loan or make a pre-payment at any time without penalty

    • Take a payment break

  • Need a little breathing room? You can postpone one payment each year that you have the loan†

    • You might be interested in:

    At the dealership

    Visit your dealer and ask
    for Cipher Ardent financing

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