Lower Payment Program: A Great Choice in New and Used Vehicle Financing. 

How would you like to finance your vehicle with a program that combines the best features of a conventional loan with the benefits of leasing? Advantage FCU offers low monthly payments- similar to a lease, plus the best part of conventional financing – actually owning the vehicle.

WHY PAY FOR THE WHOLE CAR?

PAY FOR WHAT YOU USE WITH A GUARANTEED FUTURE VALUE (GFV)

AFCU's LOWER PAYMENT PROGRAM OFFERS MONTHLY PAYMENTS UP TO 40% LOWER THAN CONVENTIONAL FINANCING

EXAMPLE: A vehicle loan amount of $40,000, a loan term of 60 months, and a Guaranteed Future Value of $18,500

The low monthly payments that the Lower Payment Program (LPP) allows for, gives you more vehicle for your money. Under the LPP, all new and used vehicles up to five years old are eligible and can be financed for up to 72 months. The LPP is the vehicle financing option you’ve been waiting for! 

This program is only available for purchase transactions from franchise dealers only.  Franchise means that the dealer has the name of a manufacturer in their name.  Examples would be “Bob’s Ford,” or “Smith Toyota.”  As opposed to “Bob’s Motors.”

● Low monthly payments 

● No down payment required

● No up-front fees

● Vehicle ownership (titled in your name)

● No higher insurance premium

● Option to Sell, Trade, or Payoff at any time 

● No early termination fees

● Return Vehicle at Loan Maturity and simply “Walk-away”

● Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available

Lower Payment Program Rates     |    Apply now

*Estimate includes principal and interest only. Annual Percentage Rates (APR) will vary from 4.99% APR to 6.99% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice. Proceeds for auto purchase transactions will only be payable to the sellers of vehicles. The Lower Payment Auto Loan Program is available only for purchase transactions from franchise dealers only. Membership subject to eligibility. Other terms are available. APR = Annual Percentage Rate.