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This auto loan program requires no upfront funds and allows you to choose an upgraded vehicle, while enjoying affordable monthly payments.
With Auto Advantage, you can finance a new or pre-owned vehicle up to four model years old and can choose from 24 to 72 month terms, based on model year. Once you negotiate the price of the vehicle with the dealer, SEFCU uses this information to calculate your monthly payments; taking the original price, expected value of the car at the end of the loan term (based on model year and current mileage), interest, and loan term chosen.
View our Auto Advantage low loan rates and use our calculator to determine your monthly payment.
Consider Auto Advantage Benefits:
Auto Advantage Requires Less Money Out of Your Pocket
- No security deposit or down payment required
- Savings can be as much as 25-45% compared to traditional car loans
It's Hassle Free
- Instead of being locked into a lease, Auto Advantage gives you the option to terminate your loan without penalty simply by paying it off
- There are no excessive wear and tear or return fees at the end of the loan, unlike those often associated with leases
Offers Your Choice of Annual Mileage Allowances
- Choose from 12,000, 15,000 or 18,000 miles per year and only $0.10 per mile thereafter
More Flexibility
- New & used vehicles are eligible, including future, current, and previous three model years
- Offers four easy options to end your Auto Advantage loan:
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Sell the vehicle and pay off the loan balance
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Trade the vehicle in and pay off the loan balance
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Keep the vehicle and refinance the residual value
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Return the vehicle and the balance will be paid off
Apply online or by phone at 518-452-8183 or 800-727-3328. Everything you need, right in one place. At SEFCU, we make life easier for you! |
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