With Flex Drive, you own it!

Like an auto lease, Flex Drive auto loans offer lower payments than traditional financing, but you actually own your vehicle. With Flex Drive, you get low monthly payments without all the restrictions and hidden costs of leasing, plus all the flexibility and benefits of vehicle ownership. 

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*All loans subject to credit approval and membership eligibility. Your actual APR (Annual Percentage Rate) will be determined at the time of your loan disbursement and will be based on your creditworthiness and other factors, including the collateral age and condition, if applicable. Not all applicants will qualify for the lowest rate. Other terms and conditions may apply.

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APR’s starting at 6.49% and will not exceed 17.99%. APRs will vary based on state laws and regulations regarding allowable interest rates, fees, and lengths of loan terms. Your credit history at the time of application, income, debt obligations, and to the extent applicable, prior loan experience with CSCU will be considered in determining eligibility and contract terms. Repayment periods, based on contract terms, credit application/credit report, and the amount of money borrowed, will be set to a maximum of 72 months. Down payments may be required in some cases, and the borrower can elect to begin repayment as early as 1 day, with no prepayment penalties. Closing your loan is contingent upon your agreement to all terms and conditions of the loan agreement.

All loans are subject to credit approval and normal underwriting standards. Minimum and maximum loan amounts, rates, fees, and terms are subject to specific guidelines and may change without notice. All loans are made by CSCU. Available loan amounts may vary.

Loans do not include a processing fee, but a downpayment may be required in some cases.

Flex Drive Personal Lending Examples:

Using a 72-month installment contract, a loan of $55,670 with an interest rate of 6.49% and an APR of 6.49%, you would make 72 monthly payments of $676 and one final payment of $26,054. No pre-payment penalty – pay off, sell, or refinance as early as 1 day, or in this example above, over 72 months.

Using a 72-month installment contract, a loan of $55,670 with an interest rate of 5.49% and an APR of 5.49%, you would make 72 payments of $928.33 and one final payment of $924.13. No pre-payment penalty – pay off, sell, or refinance as early as 1 day, or in this example above, over 72 months.

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