A Vehicle Finance Agreement serves as the primary contract when an individual or entity seeks financing for a vehicle purchase in the United States. This document is essential for establishing the legal framework of the financing arrangement, including payment terms, security interests, and party obligations. The agreement must comply with various federal regulations such as TILA and ECOA, as well as state-specific lending and consumer protection laws. It typically includes detailed vehicle information, loan terms, insurance requirements, and default provisions. The Vehicle Finance Agreement protects both the lender's security interest and the borrower's rights under applicable U.S. law.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Brief context of the financing arrangement and vehicle details
3. Definitions: Key terms used throughout the agreement
4. Loan Terms: Principal amount, interest rate, payment schedule, and term length
5. Security Interest: Details of the lender's security interest in the vehicle
6. Insurance Requirements: Mandatory insurance coverage and requirements
7. Default Provisions: Circumstances constituting default and consequences
8. Governing Law: Applicable jurisdiction and law
1. Prepayment Terms: Optional section detailing terms for early repayment when such options are offered
2. Trade-In Details: Optional section containing information about any vehicle trade-in when applicable to the transaction
3. Co-Signer Provisions: Optional section specifying terms applicable to any co-signers when a co-signer is involved
4. GAP Insurance: Optional section covering terms for guaranteed asset protection insurance when offered
1. Schedule A - Vehicle Description: Detailed description of the vehicle including VIN, make, model, year
2. Schedule B - Payment Schedule: Detailed breakdown of payment amounts and due dates
3. Schedule C - Insurance Requirements: Specific insurance coverage requirements and minimum limits
4. Appendix A - Truth in Lending Disclosures: Federal required disclosures including APR and finance charges
5. Appendix B - State-Specific Disclosures: Any additional disclosures required by state law
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Borrower
Business Day
Co-Signer
Collateral
Default
Down Payment
Event of Default
Finance Charge
Governing Law
Guarantor
Insurance Requirements
Lender
Loan Amount
Maturity Date
Monthly Payment
Payment Due Date
Principal Balance
Purchase Price
Repayment Schedule
Security Interest
Term
Title
Total Amount Financed
Vehicle
Vehicle Identification Number (VIN)
Warranties
Annual Percentage Rate (APR)
Borrower
Business Day
Co-Signer
Collateral
Default
Down Payment
Event of Default
Finance Charge
Governing Law
Guarantor
Insurance Requirements
Lender
Loan Amount
Maturity Date
Monthly Payment
Payment Due Date
Principal Balance
Purchase Price
Repayment Schedule
Security Interest
Term
Title
Total Amount Financed
Vehicle
Vehicle Identification Number (VIN)
Warranties
Clauses
Payment Terms
Security Interest
Insurance Requirements
Default and Remedies
Repossession Rights
Representations and Warranties
Assignment
Indemnification
Notice Requirements
Maintenance and Use
Prepayment
Late Payment
Title Transfer
Governing Law
Arbitration
Severability
Amendment
Entire Agreement
Force Majeure
Credit Reporting
Privacy
Waiver
Signatures and Acknowledgment
Collection Costs
Vehicle Registration
Security Interest
Insurance Requirements
Default and Remedies
Repossession Rights
Representations and Warranties
Assignment
Indemnification
Notice Requirements
Maintenance and Use
Prepayment
Late Payment
Title Transfer
Governing Law
Arbitration
Severability
Amendment
Entire Agreement
Force Majeure
Credit Reporting
Privacy
Waiver
Signatures and Acknowledgment
Collection Costs
Vehicle Registration
Relevant Industries
Relevant Teams
Relevant Roles
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