The The CARes Project, Inc. is a auto loan from The CARes Project, Inc.. The ongoing APR is All loans are 36 to 54-month, 9% simple interest loans.. Typical credit limit: Our Car Ownership program loans up to $15,000 for the purchase of a used vehicle.. Loan terms: All loans are 36 to 54-month, 9% simple interest loans. Monthly car payments are from $280-$380, depending on the length and amount of the loan..