Get The Car You Want With A Flex Auto Loan

Have a car in mind but not sure you can afford it?

Get the car you want with a monthly payment that fits your budget — and no money down!

Flex Auto Loan monthly payments are significantly lower than a typical auto loan. Cinfed members saved up to $215 per month!1

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A Different Way To Get The Car You Want

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 signing2

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.

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.


Payment Calculator

Want an idea of what you’ll pay with a Flex Auto Loan? Enter your info into this calculator.


1 Average savings based on funded Flex loans from 1/2024 – 3/2024 compared to conventional auto loan terms. Savings may vary by vehicle. Subject to credit approval.

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

Federally insured by NCUA