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.
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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Financing Comparison — EXAMPLE
2025 Kia Sportage X-line — Amount financed: $28,785
Interest rate: 5.99% Conventional/6.99% Flex
Current odometer: 18,000
|
Term |
Conventional payment |
Flex Auto Loan |
Payment savings |
|
36 Months |
$875 |
$446 |
$429 (49%) |
|
48 Months |
$676 |
$415 |
$261 (39%) |
|
60 Months |
$556 |
$388 |
$168 (30%) |
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.