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Borrower Benefits

Lower monthly payments: on average, 30-45% less than conventional financing. Actual ownership of the vehicle. New or used vehicles up to 5 calendar years old qualify. (May vary by lender) No or low down payment - even the taxes and registration fees can be included in the payment plan. Flexible terms: 24 to 72 months. (May vary by lender) Mileage plans for various driving habits - select 7,500, 10,000, 12,000, 15,000 or 18,000 miles per year. (May vary by lender) No pre-payment penalties or early termination fees. Flexible Loan Options At any time: Trade-in, Sell, or Refinance. At loan maturity: Trade-in, Sell, Refinance, or Return the vehicle and walk-away. Enables you to easily upgrade and/or change your vehicle every couple of years. Minimize cash outlay on a depreciating asset - leaves money for better uses, such as other purchases or investments.

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