The Car Finance Agreement serves as the primary legal document for vehicle financing transactions in the United States. This document is essential when an individual or entity requires financing to purchase a vehicle, whether new or used. The agreement must comply with federal regulations such as TILA and ECOA, as well as state-specific requirements regarding interest rates, fees, and consumer protections. It includes crucial details about the vehicle, payment terms, security interests, default provisions, and insurance requirements. The document protects both the lender's security interest in the vehicle and the borrower's rights under consumer protection laws.
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1. Parties: Identification of lender and borrower with full legal details
2. Background: Context of the financing arrangement and purpose
3. Definitions: Key terms used throughout the agreement
4. Vehicle Details: Comprehensive description of the financed vehicle
5. Financial Terms: Loan amount, interest rate, payment schedule, and APR
6. Security Interest: Lender's rights over the vehicle as collateral
7. Payment Terms: Payment mechanics, dates, and methods
8. Default Provisions: Consequences of payment default
1. Insurance Requirements: Specific insurance requirements if mandated by state or lender
2. Prepayment Terms: Terms for early loan payoff and any applicable penalties or benefits
3. GAP Insurance: Terms for GAP insurance coverage if offered or required
1. Payment Schedule: Detailed amortization table showing payment breakdown
2. Vehicle Specification: Detailed description of vehicle including VIN, make, model, year
3. Insurance Requirements: Detailed insurance specifications if required
4. State-Specific Disclosures: Required disclosures based on state law
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Borrower
Business Day
Credit Agreement
Default
Down Payment
Event of Default
Finance Charge
GAP Insurance
Guarantor
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Monthly Payment
Payment Date
Payment Schedule
Principal Balance
Purchase Price
Repayment Period
Security Interest
Term
Title
Total Amount Payable
Vehicle
Vehicle Documents
Vehicle Identification Number (VIN)
Warranties
Annual Percentage Rate (APR)
Borrower
Business Day
Credit Agreement
Default
Down Payment
Event of Default
Finance Charge
GAP Insurance
Guarantor
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Monthly Payment
Payment Date
Payment Schedule
Principal Balance
Purchase Price
Repayment Period
Security Interest
Term
Title
Total Amount Payable
Vehicle
Vehicle Documents
Vehicle Identification Number (VIN)
Warranties
Clauses
Payment Terms
Interest Rate
Security Interest
Default
Repossession Rights
Insurance Requirements
Vehicle Use and Maintenance
Prepayment
Assignment
Representations and Warranties
Notice Requirements
Amendments
Governing Law
Dispute Resolution
Termination
Events of Default
Remedies
Indemnification
Force Majeure
Entire Agreement
Severability
Title Transfer
Registration Requirements
Late Payment Penalties
Collection Costs
Vehicle Inspection Rights
Credit Reporting
Privacy and Data Protection
Electronic Communications Consent
Arbitration
Interest Rate
Security Interest
Default
Repossession Rights
Insurance Requirements
Vehicle Use and Maintenance
Prepayment
Assignment
Representations and Warranties
Notice Requirements
Amendments
Governing Law
Dispute Resolution
Termination
Events of Default
Remedies
Indemnification
Force Majeure
Entire Agreement
Severability
Title Transfer
Registration Requirements
Late Payment Penalties
Collection Costs
Vehicle Inspection Rights
Credit Reporting
Privacy and Data Protection
Electronic Communications Consent
Arbitration
Relevant Industries
Relevant Teams
Relevant Roles
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