Important Fraud Information: Several financial institutions are experiencing an increase in fraudulent activity. This often includes consumers receiving fraudulent text messages and phone calls claiming to be from their bank or credit union and may even appear to be from their phone number. Please note that we will never ask for your personal or account information via an email, text message, or phone call. We will also never send you a text message that asks you to click on a link. If you are ever in doubt about the authenticity of an email, text message, or phone call, please contact us directly at (800) 634-2340.

Auto Advantage Program

Auto Advantage offers payments up to 40% lower than conventional financing. Lease-like benefits without the restrictions for vehicles model years 2018-2024. 

  • No Down Payment Required
  • Vehicle is Titled in Your Name
  • Multiple Mileage Options
  • No ‘Back End’ Surprises
  • Local Return Options
  • The Option to Keep Your Vehicle is Easy
  • No Security Deposit Required
  • No Early Payoff Penalty

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A black woman sitting in her car with the door open, smiling at someone outside.

How the Program Works

Eligible Vehicles

Future year, current year, and used vehicles up to five years old.

Financing Terms

24 to 72 months

Residual Value and Guaranteed Future Value (GFV)

The residual is the projected value of the vehicle at loan maturity. Our program guarantees this residual – we call it the “Guaranteed Future Value.” If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in.


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.


At any time during your loan term:

  • Sell the vehicle, pay the loan balance (including residual value) and keep any difference.
  • Use the vehicle as a trade-in, and the loan balance (including residual value) is paid as part of a transaction.
  • Keep the vehicle and refinance the loan balance (including residual value) as a used vehicle loan.

At Loan Maturity

Return the vehicle and not pay the residual value.


More Information

* Annual Percentage Rate (APR). All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms may apply. Monthly loan payment example: a 60-month term for a $25,000 loan at 74% for the first 59 months, with no payment protection, would be $261.41. If only the minimum payment of $261.41 is made for those 59 months, a balloon payment (also referred to as Residual Value) of $16,762.00 will be due as your final payment. Please note that your balloon payment is dependent on the residual value of the financed vehicle. The residual value is impacted by items such as estimated mileage usage, vehicle year, make and model. Rates accurate as of August 24, 2023, and subject to change without notice. Broadview membership is required.