Phone: (330) 478-8400   CU Dial: (330) 478-9838   Fax: (330) 478-8362
 
 
 
   
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Buying a used car takes careful consideration. With over 1 billion vehicle records in its database, Carfax can tell you if a car has ever been totaled, damaged from a flood, or had the odometer rolled back. So before you apply for the loan from your credit union, get a Carfax Vehicle History Report from the credit union at a reduced rate.  Call our loan department for more information.

Lease Look-Alike Auto Financing
 

Drive a New Car AND Manage Your Cash Flow With Greater Flexibility!

The Lease Look-Alike Loan Program provides low monthly payments on new and used cars based on residual values. The Lease Look-Alike Loan Program is like a lease, except that you actually own the vehicle. You can finance anywhere from 24-48 months and at the end of the loan term, you can either refinance the balance at current auto rates, sell the vehicle to pay off the balance or turn in the vehicle.

New and Used Lease Look-Alike’s feature:

  • Terms up to 48 months, subject to vehicle age restrictions.
  • To qualify vehicle must be current model year or 3 prior model year, with less than 15,000 miles per year.
  • The maximum financing available will be determined by the credit score of the applicant.
  • The purchase price may not exceed the NADA retail value plus sales tax and warranty.
  • Extended warranty purchase available.

Borrower benefits:

    • No excessive down payments
    • No security deposit
    • No increased insurance premiums
    • Low monthly payments
    • Drive new vehicles more often
    • Vehicle in borrower’s name
    • Generous mileage allowance
    • Lower residual value at end of term so you actually have equity in the vehicle
    • No disposal fee or extra add-ons by the dealer

For more information, visit either of our conveniently located branches, or call (330) 478-8400, extension 112.

All rates and terms are subject to change without notice.

STJ now offers DocuSign.
Sign Credit Union Loan Documents Wherever You Have Email Access!
Click here to see how DocuSign works

 
 
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