Flex Car Loans

Get the vehicle you want and a lower monthly payment without the hassle of leasing.

If you’re not familiar with leasing, but like lower monthly payments, check out these benefits or use our Flex Car Payment Calculator1 to see how a Flex Car Loan could work for you:

  • Own the vehicle & have all of the flexibility/benefits that come with ownership

  • More value for your money – giving you the option to drive a better vehicle

  • Change vehicles more frequently with the flexibility to choose your loan term

  • No money down and NO hidden costs typically found in leasing such as:

    • High money factor

    • Up front capitalization cost

    • Acquisition fees

    • Security deposit

    • First and last payment

  • NO lease lock, giving you the option to terminate your loan without penalty

  • Variety of mileage options (12,000, 15,000 or 18,000 miles); small charge per mile thereafter

Term over? Choose what to do and we'll handle the rest:

  • Sell the vehicle & pay off the balance

  • Trade it & pay off the balance

  • Keep it & refinance the balance owed

  • Return it


Not a problem! Unlike leasing, if you choose to turn in your vehicle, we'll pick it up anywhere in the U.S. No long drives back to the dealer.

It’s easy to see how a Flex Car Loan could work for you.

To begin, use the Flex Car Payment Calculator1.

The Fine Print

Payments made under the Flex Car Loan will not pay off the total loan balance and there will be an outstanding balance at the end of the loan term.

APR* = Annual Percentage Rate. Rates subject to change without notice. Not all applicants will qualify for the lowest rate. Monthly payment examples: New vehicle: $20,000 for 60 months at 3.99% = $268.00. Used vehicle: $20,000 for 60 months at 4.49% = $298.00. Flex Car payment examples are based on new 2020 Kia Forte 2WD 4D Sdn FE Automatic Transmission and used 2016 Hyundai Santa Fe 2WD 4dr Wagon SE. Payment examples may be different due to payment protection, etc. Flex Car payments are specific to the type of car and its residual value calculation. Calculator is not a guarantee of credit.

1 The Flex Car Loan Calculator is not a guarantee of credit.