Rocky Mountain Auto Credit is not a lending institution, but is a broker for a network of Canadian lenders. Associated fees, APR percentages, transaction fees and interest rates are dependent on which lender is used, and what programs are currently being offered. Costs of borrowing are determined by term, rate and programs currently offered by the lenders. Lending rates can vary between 0% to 40% depending on applicants and available programs. Cash-back eligibility is determined by current lender programs and credit history of applicant.