Drive4Less

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Drive4Less: A Low Payment Alternative to Leasing

How would you like the low monthly payments of a lease, with fewer restrictions? Sound impossible? It’s not. Our Drive4Less program offers just that, it's the best of both worlds!

DRIVE4LESS COULD BE THE PERFECT FIT!

Like a lease, Drive4Less loans offer payments that are considerably lower than conventional financing. But unlike a lease, you'd own the vehicle and have all of the flexibility and benefits of vehicle ownership! Other benefits of a Drive4Less loan include:

New and pre-owned vehicles up to five years old qualify
Flexible loan terms of up to 72 months
No down payment required
Annual mileage options of 12,000, 15,000 & 18,000
No early payoff penalty
Refinance your current vehicle loan to reduce your monthly payments
Enables you to easily upgrade and/or change your vehicle every couple of years
Since the title is in YOUR name, you have more options prior to loan maturity and at loan maturity, including the ability to turn your vehicle in and walk away at the end of the loan term

Drive4Less vs Conventional Financing

Lower monthly payments with payment savings as high as 40%
Flexible loan terms from 24 to 72 months on all models up to five years old
Payments are based on actual use of vehicle (depreciation) with final balloon payment based on the projected resale value of the vehicle at loan maturity
Reduces negative equity risk factor associated with conventional financing

Example:

Financing Option

Loan Amount

Monthly Payments

Conventional

Loan Amount $40,000

Monthly Payments $723.02

Drive4Less Loan

Loan Amount $40,000

Monthly Payments $470.71*

Drive4Less vs Leasing

Unlike most leases, you can pay off your loan, sell, or trade your vehicle anytime with no pre-payment penalty, OR
Simply return the vehicle at loan maturity instead of paying the final balloon payment and walk away with no end-of-loan term hassles
Unlike leasing, both new and pre-owned vehicles up to five years old qualify for the Drive4Less low payment financing
Unlike leasing, you own the vehicle (titled in your name – not the leasing company’s)
Lower excess mileage charge than most leasing programs of only $0.10 per mile
Drive4Less loans require no money down
Moving? No problem. Unlike leasing, if you choose to turn your vehicle in, we’ll pick it up anywhere in the United States

Real Words, Real People from the PNW

They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.

Lisa W.

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