logo

Flex Auto Loan

 

 

Flex Auto Loan

 


 


What is the Flex Auto Loan?
 
Our Flex Auto Loan is designed to help you get the car you want with monthly payments that work for you. 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 financing 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 example:
 

  Conventional Loan Flex Loan
Loan Amount $30,000 $30,000 
Loan Term 36 months 36 months
Guaranteed Future Value (GFV) n/a $16,500
Monthly Payments $869.00 $464.80*

 *Payments 1-35 are $464.80 with a 36th payment of $16,500 (GFV). 45 days to first payment. Based on a 3.99% annual percentage rate. 


 

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 down payment and 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?
 

APPLY NOW

 

 

QUESTIONS?
Ask one of our specialists. 
SEND US A MESSAGE

 

NOT A MEMBER? 
Joining is easy. 
GET STARTED TODAY

 

 


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

MEMBER REVIEWS

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
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
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
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
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

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.