Maps

A One Stop Financial Center of Olyphant and Scranton

MAPS

MAPS^TM

(Member Auto Payment Saver)

Vehicle Financing

Your Solution to Lower Monthly Payments

Member Auto Payment Saver, or MAPS^tm, 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 MAPS^tm is a loan and not a lease, you avoid all of the expensive drawbacks of leasing. The benefits MAPS^tm 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	MAPS^tm	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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MAPS^tm (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 MAPS^tm (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 MAPS^tm financing and conventional vehicle financing, allowing you to immediately see the lower monthly payment available with MAPS^tm financing.
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Instructions for using the MAPS^tm Calculator:

To start calculator, click on the link below to open the MAPS^tm 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.

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

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