GPO Federal Credit Union

– Refinance remaining balance and keep the vehicle.
– Sell it at maturity or anytime during loan term.
– Trade it at maturity or anytime during loan term.
– Return the vehicle at maturity in lieu of final balloon payment.

New and used vehicles (up to three years old) qualify for the Payment $aver auto financing option. With terms ranging from 36 to 72-months, discover how Payment $aver makes cents for your auto financing needs!

Just look at these low payments!!

Pick your make, model, and available options and get payment amounts INSTANTLY for GPO's Payment $aver and Conventional Auto Financing... for different loan terms!

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Payment $aver versus Conventional Financing:

• 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!

• Flexible loan terms from 3 to 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.

• Take shorter loan terms & 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 your next vehicle loan.

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Payment $aver versus
Lease Financing:

• You own the vehicle (titled in your name!)

• Payment $aver financing requires no money down and has no hidden costs typically found in leasing.

• You can finance a vehicle up to 3 years used.

• 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 potentially 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 prepayment penalty.

• 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 loan term.
– Return the vehicle at maturity in lieu of final balloon payment.