It's a loan... It's a lease...
It's SMART CHOICE

 

Smart Choice Auto Financing

Three Ways to Finance Your Next Vehicle:

1. Lease from a Dealership Emoji frown

  • Up-front cost (down payment)
  • Locked-in terms
  • You are a renter, not an owner
  • Increased insurance premiums usually required
  • Early termination fees
  • Typically limited to new car models only

2. Conventional Loan (Simple interest financing) Emoji thinking

  • Often a longer term is needed to afford payment
  • Risk of unexpected depreciation
  • Increased negative equity risk
  • Early trade-out is limited

3. GCFCU Smart Choice Auto Financing Emoji smile

  • Guaranteed a future value (GFV) of car at end of term
  • Reduced risk for negative equity
  • Payments are lower - based on difference between conventional loan amount and the GFV
  • A lower payment allows options for better cars
  • Choose a new or used car (up to 5 years old)
  • You have rights of ownership:
    Titled in your name
    Choose your own insurance
    Trade or sell at any time
    No early termination fees
  • Guaranteed Asset Protection (GAP) insurance included

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