InGear Auto Loan Program

Get the flexibility and ownership of conventional financing with the low cost of leasing.

Think you can’t afford the vehicle of your dreams? Ready to trade-in your current vehicle but don’t want a higher payment? With InGear, you can get a payment up to 40% lower, without a lease and still enjoy the benefits of ownership!

  • Lower monthly payments – up to 40% less than conventional loans
  • NOT a lease, but it gives you low payments like a lease
  • No hidden or up-front costs
  • No down payment required
  • Titled in borrower’s name- actual vehicle ownership!
  • Trade-in tax credit
  • No higher insurance premium
  • Trade-in, sell, payoff or refinance at anytime
  • New or pre-owned vehicles (up to five years old) qualify
  • Finance your vehicle through a source that you trust, FSUCU!

You must be eligible for membership and approval for a loan to participate. Loan rates and terms vary depending on your credit score and loan history. Please see a credit union representative for complete details.

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