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Flex Auto Loan

Flex Auto Loan

Our Flex Auto Loan is designed to help you get the car you want with financing options that work for you.


What is the Flex Auto Loan?

The Flex Auto Loan is like a lease, except that you actually own the vehicle. At the end of your financing term, you can retain the car by paying the remaining balance or finance the balance at the current used rates. Or you can simply return the car.1


How does the Flex Loan Program work?

The Flex Loan Program is available for new and used vehicles (up to five model years old). Financing options are available from 24 to 72 months, offering payments up to 40% lower than conventional financing.


Here is an actual example for a 2018 GMC Yukon:

Conventional Loan Flex Loan

Loan Amount

$35,189 $35,189
Loan Term 72 months 72 months
Guaranteed Future Value (GFV) n/a $15,525
Monthly Payments $551 $398*

*Payments 1-35 are $398 with a 36th payment of Guaranteed Future Value of $15,525; 45 days to first payment based on a 3.99% Annual Percentage Rate (APR) for Conventional Loan and 4.99% APR for Flex Auto Loan. This is an actual example provided for illustrative purposes only. APR is based on individual credit worthiness/credit history, vehicle year, and term of loan.

At any time during your loan term you can:

  • Sell the vehicle, pay the loan balance (including residual value) and keep any difference.
  • Use the vehicle as a trade-in, and the loan balance (including residual value) is paid as part of the transaction.
  • Keep the vehicle and refinance the loan balance (including residual value) as a used vehicle loan.

At loan maturity, you have the option to return the vehicle and walk away from the residual value.



Why should I get a Flex Loan?

With the Flex Auto Loan, you enjoy:

  • No prepayment penalties
  • Lower monthly payments than conventional loans
  • Ownership benefits and financing options because the vehicle is titled in your name


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1Vehicles will be returned to a retailer selected by Cinfed.
Disclaimer: (1) Rates shown are for illustrative purposes only and may vary due to individual credit worthiness and/or loan term. (2) Payments shown may vary from the final payment provided by credit union loan representative.



CONTACT CINFED

Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656

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