Community Resource Federal Credit Union
Community Resource Federal Credit Union

Energize Auto Loan Program

Energize Auto Loan Program

Drive the Car You Want for Lower Monthly Payments!

Make the lower monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing. Sound impossible? It’s not. Community Resource FCU’s Energize Auto Loan Program offers just that!

Unlike leasing where the vehicle is titled in the name of the leasing company, with the Energize Auto Program the vehicle is titled in your name. This offers you greater flexibility both during the loan and at loan maturity.

Benefits 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 7,500, 10,000, 12,000, 15,000 & 18,000 available
  • No security deposit or acquisition fees
  • No early payoff penalty

Get started by clicking the button below:

You Own The Vehicle

With Energize Auto the vehicle is titled in your name. This offers you greater flexibility both during the loan and at loan maturity.

No Down Payment Required

Most leases require a down payment, often referred to as a “Cap Cost Reduction” – our Energize Auto Program does not.

Lower Monthly Payments

Make lower monthly payments compared to conventional type auto loans.

You’re In Control

With Energize Auto, you can trade-in, pay-off, refinance, or sell the vehicle privately at any time.

Energize Auto Loan Program Offers Monthly Payments Up To 40% Lower Than Conventional Financing

Lease vs Conventional vs Energize Auto Loan


  • Upfront Costs
  • Early Termination Fees
  • Increased Insurance Premiums
  • Mileage restrictions and excess wear and tear restrictions apply
  • Shorter terms and lower payments but fixed commitment
  • Renter not owner
  • Limited to new models

Conventional Loan

  • Risk of unexpected depreciation
  • Often longer term to afford payment
  • Rights of ownership but early trade out might be limited due to extended loan terms impacting the risk of negative equity
  • Most models qualify

Energize Auto Loan

  • No upfront costs
  • No early termination fees
  • Mileage restrictions and excess wear and tear apply but lower than the industry average
  • Easy “walk-away” option at end of term with a Guaranteed Future Value
  • Shorter terms, lower payments (payments based on difference between Guaranteed Future Value and total amount financed)
  • New and used vehicles
    (up to five years old)
  • Rights of ownership:
    • Flexibility during and at loan maturity
    • Titled in your name
    • Trade in anytime
    • Sell anytime

Vehicle ownership gives you options

  • Ability to turn your vehicle in and walk away at the end of the loan term
  • Refinance your current vehicle loan to reduce your monthly payments with the Energize Auto Loan Program
  • Enables you to easily upgrade and/or change your vehicle every couple of years
  • Sell vehicle privately
  • Refinance and keep the vehicle
  • Pay off and keep the vehicle

When your financing reaches maturity you can surrender vehicle to Community Resource FCU and “walk-away” instead of paying final payment

Energize Auto Loan Program

  • No upfront costs or early termination fees
  • No higher insurance premium
  • Easy “walk-away” option at loan maturity
  • Lower monthly payments
  • Vehicle is titled in borrower’s name – you OWN the vehicle
  • Available on new and used vehicles up to five years old
  • Trade-in, pay off, refinance or sell at any time
  • Trade-in tax credit & no property taxes (where applicable)

Financing OptionConventional LoanEnergize Auto Loans
Loan Amounts$40,000$40,000
Monthly Payments$723.02$470.71*

EXAMPLE: A vehicle with a loan amount of $40,000, a loan term of 60 months, and a Guaranteed Future Value of $18,500
*Payments 1-59 are $470.71 with a 60th payment of $18,500 (GFV)