Auto Advantage

auto advantage

A Low-payment Alternative to Leasing

Auto Advantage is available for new and used cars and trucks (up to five model years old). Financing options are available from 24 to 72 months, with monthly payments up to 40% lower than conventional financing. Plus you'll have a guaranteed future value offer to protect you. At the end of the monthly payments, you have a variety of options and the power is in your hands.

Like a lease, Auto Advantage offers payments that are considerably lower than conventional financing. A residual value is established based on the term of the loan using industry approved guidelines similar to leasing. The difference between what you pay for the vehicle and the residual value is used to determine the principal portion of your payment, which results in a lower monthly payment than conventional financing. But unlike a lease, you own the vehicle and have all the flexibility and benefits of vehicle ownership.

Here is an actual example for a 2018 Subaru Forester:

Conventional Loan Auto Advantage
Loan Amount $24,875 $24,875
Loan Term 36 months 36 months
Guaranteed Future Value (GFV) n/a $11,875
Monthly Payments $732.23 $350.571

1Payments 1-35 are $350.57 with a 36th payment of Guaranteed Future Value of $11,875; 45 days to first payment based on a 2.99% Annual Percentage Rate (APR) for Conventional Loan and 3.99% APR for Auto Advantage 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.

Auto Advantage Features

  • Lower monthly payments
  • You own the vehicle
  • New and pre-owned vehicles up to five years old qualify2
  • Flexible loan terms of up to 72 months
  • Annual mileage options of 12,000, 15,000 & 18,000 available
  • No security deposit or acquisition fees
  • Zero early payoff penalty
  • Trade in, keep or turn in your vehicle & walk away at the end of the loan term. Learn more.
  • Enables you to easily upgrade and/or change your vehicle every couple of years
  • 2All vehicles excluding motorcycles and RVs.


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