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

Ready to get started?

Ask one of our specialists.

Joining is easy.

Learn with Us
Tips and tools to help you reach your financial goals.



The Starting Line for Car Loans
Learn the steps of the car buying process.
Read more ►


Car Loans
Learn about the steps you need to take to apply
for a car loan and how to calculate your payments.

Get started ►

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.


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


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

NOTE: You are leaving Cinfed Credit Union's web site. Cinfed is not responsible for content or security policies of this external, linked web site.