With no advance payment and no prepayment penalties, our Flex car finance was designed to help you get the vehicle you would like with financing options that really work for you personally.
What’s The Flex Car Finance?
Our Flex car finance is much like a rent, except which you actually possess the car. By the end of the funding term, you are able to retain the automobile by spending the remaining stability or fund the total amount during the present utilized rates. You can also merely get back the vehicle. 1
So how exactly does the Flex Loan Program work?
The Flex Loan Program is present for used and new cars (up to five model years old). Financing options can be obtained from 24 to 72 months, offering re re payments as much georgia top payday loans without a bank account as 40per cent less than mainstream funding. Here’s a good example:
| Mainstream Loan | Flex Loan | |
| Loan Amount | $30,000 | $30,000 |
| Loan Term | 3 years | three years |
| guaranteed in full Future Value (GFV) | n/a | $16,500 |
| monthly premiums | $869.00 | $464.80* |
*Payments 1-35 are $464.80 having a payment that is 36th of16,500 (GFV). 45 days to very first payment. According to a 3.99per cent apr. Disclaimer: (1) Rates shown are for illustrative purposes just and could differ because of credit that is individual and/or loan term. (2) Payments shown can vary through the last repayment supplied by credit union loan agent.
At any time throughout your loan term you can easily:
- Offer the automobile, spend the loan stability (including recurring value) and keep any huge difference.
- Utilize the car as a trade-in, therefore the loan balance (including recurring value) is paid included in the deal.
- Keep carefully the car and refinance the loan stability (including recurring value) as being a utilized automobile loan.
At loan readiness, you’ve got the choice to get back the car and walk far from the recurring value.
Why should I have a Flex Loan?
Because of the Flex car finance, you prefer:
- No advance payment with no prepayment charges
- Lower monthly premiums than old-fashioned loans
- Ownership advantages and funding options as the automobile is en en titled in your title
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1 cars are going to be gone back to a merchant chosen by Cinfed. Disclaimer: (1) Rates shown are for illustrative purposes just and will differ because of individual credit history and/or loan term. (2) re re Payments shown can vary through the payment that is final by credit union loan representative.
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