car facing mountain

Flex Auto Loans

Drive the car you want with lower payments.

How would you like to finance your vehicle with a program that combines the best features of a conventional loan with the benefits of leasing? A Flex Auto Loan offers low monthly payments similar to a lease, plus the best part of conventional financing – actually owning the vehicle.
The Flex Auto Loan allows for low monthly payments and gives you more vehicle for your money. All new and pre-owned vehicles up to five years old are eligible and can be financed for up to 72 months.

Flex Auto Loan Benefits

  • Low monthly payments 
  • No down payment required 
  • No up-front fees 
  • Vehicle ownership (titled in your name) 
  • No higher insurance premium 
  • Option to Sell, Trade, Refinance or Payoff at any time.  
  • No early termination fees 
  • Return Vehicle at Loan Maturity and simply “Walk-away” 
  • Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available

Flex Auto Loan Rates
Term APR*
Up to 60 Month Term as low as 7.89%*
Up to 72 Month Term as low as 8.34%*
Effective 09/22/2023

Click on the Flex Auto Loan Calculator where to explore your car loan options.


*APR - Annual Percentage Rate. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice. Available on vehicles up to 5 years old. $20,000 minimum loan amount. Mileage options available: 7,500, 10,000, 12,000, 15,000 and 18,000 per year. Disposition fee, excess mileage or damage fees may apply if turning in the vehicle at maturity.