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.


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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.


1 Subject to Credit Approval, Maximum loan-to-value (LTV) of 125%. LTV restrictions based on credit rating.