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A One Stop Financial Center of Olyphant and Scranton

MAPS

MAPSTM

(Member Auto Payment Saver)

Vehicle Financing

Your Solution to Lower Monthly Payments

Member Auto Payment Saver, or MAPStm, is a vehicle financing program that lets you enjoy the benefits of leasing, including monthly payments that are considerably lower than conventional financing. But because MAPStm is a loan and not a lease, you avoid all of the expensive drawbacks of leasing. The benefits MAPStm include:
                       Ownership of the vehicle
                       Up to 18,000 miles per year allowance
                       No application fees or security deposit
                       No first or last payment
                       And many, many more
 
Feature MAPStm Leasing

Sales tax

Paid up front

Monthly Sales Tax Fee (usually adds up
 to more than 6% using this method)

Up front first and last payment required

No Usually Yes

Security deposit required

No

Usually Yes

Options at end of term:Sell vehicle

Yes

Yes

Use as trade

Yes

Usually No

Finance residual

Yes

Yes

Return Vehicle*

Yes

Yes

Previously owned vehicles qualify

Yes**

Usually No

Mileage allowance

Up to 18,000 miles per year

12 to 18,000 per year

Over limit

10 cents per mile

 

Who owns vehicle

Member

Lease company

*If a member returns vehicle, credit union is guaranteed payment of   Residual value established at time loan is disbursed.

**Current model year and previous three model years qualify. Demonstrators qualify as new vehicle when they are current model-year vehicle.

 

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*MAPStm (similar to Leasing)
RATES FOR VEHICLES

APR Start As Low As Based On Credit

New Vehicle 24 Months 4.69%
New Vehicle 36 Months 4.69%
New Vehicle 48 Months 4.69%
New Vehicle 60 Months 4.69%
Used Vehicle—1 Year Old 48 Months 4.94%
Used Vehicle—2 Year Old 36 Months 4.94%
Used Vehicle—3 Year Old 24 Months 4.94%

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At the MAPStm (Member Auto Payment Saver) calculator Web site you will be able to calculate a monthly payment for as many vehicles as you choose with the options you select. Current model year vehicle and vehicles up to three model years old qualify for MAPS financing. The calculator will automatically calculate the monthly payment for both MAPStm financing and conventional vehicle financing, allowing you to immediately see the lower monthly payment available with MAPStm financing.
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Instructions for using the MAPStm Calculator:

 

To start calculator, click on the link below to open the MAPStm web site. When the web site opens

Click down arrow to select Vehicle Year.
Click down arrow to select Vehicle Maker.
Click down arrow to select Vehicle Model.
Click down arrow to select Vehicle Style.
Click on the "Get Quote" button .
 

When the quote is displayed:

Check mark the Optional Equipment you want.

Enter the Negotiated Price of the new vehicle.

Enter the Trade In Value.

Enter the Trade In Payoff (if any).

Enter the Down Payment.

Enter the Sales Tax.

Click the "Next" button.

Follow the instructions on the page.

 

When all the steps are completed you will receive a message informing you that a loan officer will be contacting you.

 

MAPS calculator web site
 

NOTE: This site is for calculation only.  A loan application must still be executed.
For more information about MAPStm call our Loan Office today at 570-961-1100.

 

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