Get The Car You Want With A Flex Auto Loan

With a Flex Auto Loan, you can get the car you want at a lower payment that fits your budget.
You’ll have the flexibility and comfort of knowing you have a guaranteed buyer at the end of your term.
A Different Way To Get The Car You Want
Payment Calculator
Want an idea of what you’ll pay with a Flex Auto Loan? Enter your info into this calculator.
You Have A Guaranteed Buyer
You can finally get the car you want at a payment that fits your budget — different from a typical auto loan. With a Flex Auto Loan, YOU own the vehicle & have flexibility that includes:
- Your choice of a new or used vehicle (5 years or newer)
- You can pay off, sell, or refinance at any time
- Terms available as low as 24 months up to 72 months
- $0 due at signing1
At the end of the term if you still have the vehicle, you can keep it and refinance the loan; buy it outright; or simply walk away — you have a guaranteed buyer.
*2025 Nationally Recognized Leader* -- Cinfed has been named “Lender of the Year” by AFG, the national auto loan provider, for the outstanding performance of the Flex Auto Loan program.
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2023 Toyota Camry Hybrid — Amount financed: $25,245
Interest rate: 6.99% Conventional/7.99% Flex
Current odometer: 25,000
Term | Conventional payment | Flex Auto Loan | Payment savings |
48 Months | $601 | $370 | $231 (38%) |
60 Months | $497 | $354 | $143 (29%) |
72 Months | $428 | $321 | $107 (25%) |
For illustrative purposes only; may not reflect current rates. Savings based on comparison to conventional auto loan terms. Savings may vary depending on vehicle. Subject to credit approval. |
Three Easy Ways To Get Started
1 Subject to Credit Approval, Maximum loan-to-value (LTV) of 125%. LTV restrictions based on credit rating.