FIND OUT HOW TO DRIVE MORE CAR WITH LESS PAYMENT!

Payment Shaver vehicle loans offer monthly payments that are considerably lower than conventional financing with no money down!

Click here to build your car online!

Plenty of end of loan term options:

- Refinance remaining balance and keep the vehicle.

- Sell it at maturity or anytime during loan term.

- Trade it at maturity or anytime during the loan.

- Return the vehicle at maturity in lieu of final balloon payment.

- Lower monthly payments - up to 67% lower than conventional - with no money down!

- You get more value for your money - giving you the option to drive a better vehicle.

- Minimum cash investment - no money down required - even the taxes and registration can be included in the payment plan.

- Flexible loan terms from 2-6 years.

- Payments are based on actual use of vehicle (depreciation) with final balloon payment based on the projected resale value of the vehicle at loan maturity.

- Member can take shorter loan terms and change vehicles more frequently.

- Eliminates negative equity risk factor associated with conventional financing by finally getting you out the cycle of paying off a previous vehicle loss with you next vehicle loan.

Payment Shaver vs. Lease Financing

- You own the vehicle (titled in your name)

- Payment Shaver financing requires no money down and has no hidden costs typically found in leasing.

- You can finance a vehicle up to 3 years old.

- You can carry the level of auto insurance you choose.

- You can negotiate the vehicle purchase price like a cash purchase with the dealer. This gives you a stronger basis of price negotiation and can potentionally save you thousands of dollars on your vehicle purchase.

- You are borrowing money from a source you know and trust (your credit union) and know all details of your vehicle purchase.

- You get fair market residual value, not a potentially inflated amount which immediately puts you in a negative equity position "upside down" on your loan throughout its term.

- You can pay off your loan, sell or trade your vehicle anytime with no repayment penalty.