Driving Sense - A Low Payment Alternative to Leasing 

How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing? Sounds impossible? It’s not. MPS Credit Union’s Driving Sense offers just that!

Like a lease, Driving Sense offers payments that are considerably lower than conventional financing. But unlike a lease, with our Driving Sense program you own the vehicle and have all of the flexibility and benefits of vehicle ownership! 

Benefits of the program include:

  • Available on new and pre-owned vehicles up to 5 years old.
  • Flexible loan terms of up to 72 months. 
  • No up-front costs or early termination fees.
  • Annual mileage options of 7,500, 10,000, 12,000, 15,000 and 18,000 available. 
  • No higher insurance premium.
  • Trade-in, payoff, refinance or sell at any time.
  • Easy “walk-away” option at loan maturity. Our program guarantees residual value – if your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and "walk away."
  • No early payoff penalty. 
  • The vehicle is titled in the borrower’s name – you OWN the vehicle!
  • Refinance your current vehicle loan to reduce your monthly payments.
  • It enables you to easily upgrade and/or change your vehicle every couple of years!

Why pay for the whole car?

Pay for what you use with a guaranteed future value that allows you flexible options at loan maturity - turn in and "walk away", keep it, or trade-in/sell it. You can choose whatever option works best for you.

red car cut in half


View the chart below to see how Driving Sense compares to a conventional loan, or click here to calculate your payment.

Comparison Chart
Loan InformationConventional LoanDriving Sense Loan
Loan Amount $36,000 $36,000
Interest Rate 5.25% APR 6.00% APR
Number of Payments 36 36
MONTHLY PAYMENTS $1,083.02 $745.38

Apply Now

Request More Info

Go to main navigation