 Call 800-470-7448. 800-470-7448. That's 800-470-7448. Rate and payment values are calculated by using the average savings for customers from January 1st, 2022 through December 31st, 2022. Not all applicants qualify for a loan or rate savings. Actual offer terms, including APR, are determined at the time of your application based on credit ratings. Value of the field for loan term, another second.