With no advance payment and no prepayment penalties, our Flex car finance is made to help you to get the motor vehicle you would like with financing options that work for you personally.
What’s The Flex Car Finance?
Our Flex car loan is much like a lease, except you actually possess the automobile. At the conclusion of your funding term, you are able to wthhold the vehicle by spending the balance that is remaining fund the total amount during the present utilized prices. Or perhaps you can just 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 of age). Funding options can be found from 24 to 72 months, offering re re payments as much as 40per cent less than mainstream financing. Let me reveal an illustration:
| Conventional Loan | Flex Loan | |
| Loan Amount | $30,000 | $30,000 |
| Loan Term | 3 years | three years |
| fully guaranteed Future Value (GFV) | n/a | $16,500 |
| monthly premiums | $869.00 | $464.80* |
*Payments 1-35 are $464.80 by having a payment that is 36th of16,500 (GFV). 45 times to very first repayment. Centered on a 3.99per cent apr. Disclaimer: (1) Rates shown are for illustrative purposes just and might differ as a result of credit that is individual and/or loan term. (2) re re Payments shown can vary greatly through the payment that is final by credit union loan representative.
At any time throughout your loan term you can easily:
- Offer the automobile, spend the loan stability (including recurring value) and keep any distinction.
- Utilize the automobile as being a trade-in, in addition to loan stability (including https://tennesseepaydayloans.org/ recurring value) is compensated within the deal.
- Keep consitently the automobile and refinance the loan balance (including value that is residual as a used automobile loan.
At loan readiness, you’ve got the choice to get back the car and walk out of the recurring value.
Why should I have a Flex Loan?
Aided by the Flex car finance, you love:
- No advance payment with no prepayment charges
- Reduced monthly premiums than main-stream loans
- Ownership advantages and funding options as the automobile is en titled in your title
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1 automobiles should be came back to a merchant chosen by Cinfed. Disclaimer: (1) Rates shown are for illustrative purposes just and can even differ because of individual credit history and/or loan term. (2) re Payments shown can vary through the payment that is final by credit union loan agent.
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