Glossary of Terms

We know some auto loan terms can be confusing, so we've put together a useful glossary to better help you understand the industry language.

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Blue Book

Also referred to as Blue Book Value, this is the value of a vehicle as determined by Kelley Blue Book, Inc.

Buydown

When purchasing a new or used vehicle, the buyer may be offered an option to buydown the interest rate on their car loan.

Cash Back Refi

A type of refinance loan that allows you to use the equity you have in your vehicle to get cash back while refinancing your car. Note: We are unable to refinance existing loans that are serviced by Santander Consumer USA, its companies or brands.

Certificate of Title

A document provided by the Department of Motor Vehicles that proves ownership of a vehicle.

Cosigner

An additional party who assumes equal responsibility for an auto loan.

Credit

A term used to refer to your credit history, which may indicate whether you have the ability to repay an auto loan or not.