---
title: "AlphaAutoCredit.com — Statutory & Financial Comparison Matrices (https://alphaautocredit.com/compare)"
source_url: "https://alphaautocredit.com/compare"
canonical_url: "https://alphaautocredit.com/compare"
retrieved_by: "AlphaAutoCredit.com Statutory Markdown Engine (https://alphaautocredit.com/compare)"
---

# AlphaAutoCredit.com — Side-by-Side Statutory Comparison Hub

> **Canonical Source:** [https://alphaautocredit.com/compare](https://alphaautocredit.com/compare)

## [Credit Union / Direct Pre-Approved Auto Loan vs Dealership F&I Rate Markup (2026 US)](https://alphaautocredit.com/compare/credit-union-pre-approved-auto-loan-vs-dealership-fi-rate-markup-2026)
- **Direct Answer:** Under US indirect auto lending practices, dealership Finance & Insurance (F&I) departments are permitted to add a discretionary "dealer reserve" markup of 1.50% to 2.50% APR on top of the wholesale buy rate approved by the lender—costing a buyer $2,400 to $3,900 in extra interest on a $32,000, 60-month auto loan compared to walking in with a direct pre-approved rate.
- **Statutory Basis:** Truth in Lending Act (TILA) 15 U.S.C. § 1601 et seq.; CFPB Regulation Z (12 CFR § 1026.18); National Credit Union Administration (NCUA) Auto Rate Data 2026

## [Refinancing a High-APR Auto Loan After 12 On-Time Payments vs Keeping a 72-Month Dealer Loan](https://alphaautocredit.com/compare/subprime-auto-loan-refinancing-after-12-months-vs-72-month-dealer-loan)
- **Direct Answer:** Because nearly all modern US retail installment auto contracts use daily simple-interest amortization with zero statutory prepayment penalty on terms ≤60 months (and prohibited altogether in 36+ states), a borrower who accepts a 16.9% APR dealership loan with a 580 FICO score and refinances into a 8.4% APR loan after 12 on-time monthly payments saves $5,800+ in remaining interest.
- **Statutory Basis:** 15 U.S.C. § 1615 (Prohibition on Rule of 78s for >61-month loans); CFPB Auto Loan Refinancing Guide 2026