This program is the ultimate automobile financing plans that provide you with the monthly payment you want. Whether a new or late model vehicle, your monthly savings are easy to add up while you still enjoy the pride of ownership. CARS is the low payment loan program that puts you in the drivers seat!

Since 1994, Member Advantage has pioneered a successful solution to auto leasing for banks with a hybrid of auto leasing and balloon note financing. Its low-payment auto loan programs CARS (for banks and their customers). Balloon loans have existed for decades, the CARS program uses residual values from to determine the balloon amount and then offers a guaranteed price return option to customers. Member Advantage includes residual value and GAPP insurance with each loan. All vehicles returned are managed by Member Advantage through its remarketing program. Member Advantage handles all returns and vehicle disposals for the bank. The program is ideal for banks who want to sell repossessed vehicles as well as offering customers greater choices in financing used vehicles to meet their needs. As part of the remarketing program, many of the terminating leases and loans are re-leased or refinanced by customers.