VehicleVantage Auto Loan - Get More For Less | RBFCU - Credit Union
Source: https://www.rbfcu.org/loans/auto-loans/vehiclevantage
Archived: 2026-04-23 17:13
VehicleVantage Auto Loan - Get More For Less | RBFCU - Credit Union
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®
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Download our app for a better mobile banking experience.
Get
VehicleVantage Auto Loan
Get More For Less
Are you experiencing “sticker shock” while shopping for a vehicle? Are you lowering your standards to get the vehicle payment you can afford instead of the vehicle you want? If so, our VehicleVantage Auto Loan can offer a lower monthly payment with savings as high as 40%.
To apply for a VehicleVantage Auto Loan, contact us at
210-945-3300
.
WHY PAY FOR THE WHOLE CAR? PAY FOR WHAT YOU USE.
$40,000 CAR
Payments are based on actual use of vehicle (depreciation) with the final payment being based on the projected resale value (Guaranteed Future Value) of the vehicle at loan maturity.
Why choose RBFCU VehicleVantage?
New and pre-owned vehicles up to five years old qualify
Flexible loan terms of up to 72 months at competitive rates
Annual mileage options of 7,500, 10,000, 12,000, 15,000 and 18,000 available
No security deposit, acquisition fees or early payoff penalty
More options prior to loan maturity and at loan maturity with title in your name
New, Used, Refinance? We’ve got another option.
$0 due at signing
Get into your new car with just your signature and no money due at signing.
Flexible mileage options
Save money by choosing the mileage option that works best for your lifestyle; between 7,500 to 18,000 miles per year.
Titled to you
You can trade-in, sell or pay off your vehicle at any time because the vehicle is titled to you, giving you more freedom with your auto loan.
Option to 'Walk Away'*
You can surrender your vehicle and walk away when paying to the end of your loan term, if you’re ready for a different vehicle.
No negative equity
Break the negative equity cycle! With a Guaranteed Future Value when paying to the end of your loan term, you can end with a clean slate and start a new adventure.
No early termination fees
No early termination fees if you choose to trade, sell or pay off your vehicle at any time.
40% lower monthly payments? Here’s how it works:
Example:
A vehicle loan amount of $30,000, a loan term of 36 months, and a Guaranteed Future Value (GFV) of $16,500
Financing Option
Conventional Loan
RBFCU VehicleVantage
Loan Amount
$30,000
$30,000
Monthly Payments
$869
$464.80
Loan Amount
Conventional Loan :
RBFCU VehicleVantage :
$30,000
$30,000
Monthly Payments
Conventional Loan :
RBFCU VehicleVantage :
$869
$464.80
Payments 1-35 are $464.80 with a 36th payment of $16,500 (GFV). You save $404.20 per month.
VehicleVantage Auto Loan
72 month
View Details
%
VehicleVantage Auto Loan
60 month
View Details
%
VehicleVantage Auto Loan
48 month
View Details
%
VehicleVantage Auto Loan
36 month
View Details
%
More Rates
VehicleVantage FAQs
Which model-year vehicles are eligible for VehicleVantage?
+
-
Future year, current year and used vehicles up to five model-years old are eligible for VehicleVantage.
What vehicles are not eligible for VehicleVantage?
+
-
Vehicles not eligible for VehicleVantage include those considered “Grey Market,” “Lemon Law,” salvaged vehicles, vehicles older than five model-years, or select vehicle models. The loan calculator will not display vehicles that are not eligible for the program.
What is the Guaranteed Future Value (GFV)?
+
-
The Guaranteed Future Value is the projected end of the VehicleVantage
loan term “resale” value of a vehicle. This value is guaranteed by Auto Financial Group (AFG).
Is the 'Walk Away' option available before the scheduled loan maturity?
+
-
No. The “Walk Away” option is only available when the VehicleVantage
loan is paid to the end of the loan term.
What are the mileage options for a VehicleVantage Auto Loan?
+
-
The annual mileage options for a VehicleVantage Auto Loan
are 7,500, 10,000, 12,000, 15,000, or 18,000, in addition to the current mileage on the odometer when financed. For example, if the borrower selects the annual mileage option of 15,000 and is in a four-year loan term, they may not accumulate more than 60,000 additional miles without incurring an excess mileage fee.
If the borrower exceeds the elected mileage allowance, they will be charged $0.10 for each mile in excess of 60,000 miles if they elect to surrender their vehicle to Auto Financial Group (AFG)
via the “Walk-Away” option at loan maturity. If the borrower elects to trade, refinance, sell, or pay off the loan then over mileage fees are not applicable.
What are payments like with a VehicleVantage Auto Loan?
+
-
Unlike a conventional auto loan where your loan payments remain the same throughout, with a VehicleVantage Auto Loan, you'll make smaller monthly payments in exchange for one larger payment at the end of your term. This final payment is based on the Guaranteed Future Value of the vehicle, which is agreed upon up front.
What ownership options do I have with VehicleVantage?
+
-
VehicleVantage Auto Loans have the following ownership options:
At any time:
Pay off and keep the vehicle, trade it in to a dealership, sell it privately, or refinance and keep the vehicle.
At the end of your loan:
All of the above options are available, or you may surrender the vehicle via the “Walk-Away” option and turn it in, instead of paying the final Guaranteed Future Value payment.
What are the advantages of a VehicleVantage Auto Loan over a conventional auto loan?
+
-
You only pay for what you use, which results in a lower payment with a VehicleVantage Auto Loan since payments are based on actual use of the vehicle (depreciation) with the final payment being based on the projected resale value (Guaranteed Future Value) of the vehicle at loan maturity.
How can I apply for a VehicleVantage Auto Loan?
+
-
Please contact our Consumer Lending Center at
210-945-3300
to apply for a VehicleVantage Auto Loan.
What are the terms available for the VehicleVantage Auto Loan?
+
-
VehicleVantage offers flexible loan terms available up to 72 months at competitive rates.
Could I have more than one VehicleVantage Auto Loan at a time?
+
-
Yes. Credit permitting, a borrower can have more than one VehicleVantage Auto Loan.
Is a VehicleVantage Auto Loan only for a purchase of a new/used auto?
+
-
No. You can also refinance an existing auto loan with a VehicleVantage Auto Loan.
Could I use a Vehicle Buyer's Check (VBC) for a VehicleVantage Auto Loan?
+
-
No, you cannot use a Vehicle Buyer's Check for a VehicleVantage Auto Loan. There are limitations on vehicles that are eligible for VehicleVantage.
How do I know if a vehicle is eligible for the VehicleVantage Auto Loan?
+
-
You can contact our Consumer Lending Center at
210-945-3300
or use the calculator on the
VehicleVantage page
to check if the vehicle you are interested in is an option.
Is the VehicleVantage Auto Loan a lease?
+
-
No. You are not locked in with a VehicleVantage Auto Loan. You have options to trade, sell, refinance or pay off with no penalty at any time during the loan.
Can I add credit union products to the VehicleVantage Auto Loan?
+
-
Yes. You can add
Credit Insurance
,
Mechanical Repair Coverage
, and/or
Guaranteed Asset Protection (GAP) Plus
to a VehicleVantage Auto Loan.
Are there any additional fees for a VehicleVantage Auto Loan?
+
-
Fees for disposition ($195), excess mileage ($0.10 per mile) and/or damage to the vehicle may apply with a VehicleVantage Auto Loan,
but only if you decide to return the vehicle at the end of term to exercise the “Walk Away” option.
If you choose to sell, trade, refinance or pay off your VehicleVantage loan, then there are no fees for disposition, excess mileage and/or damage.
Could I finalize a VehicleVantage Auto Loan at the dealership when purchasing my vehicle?
+
-
No. Currently a VehicleVantage Auto Loan is only
available when finalizing directly with RBFCU.
Find Your Next Car
Auto Insurance
Auto Loans
Other Vehicle Loans
Auto loans subject to credit review and approval. Rates and terms subject to change without notice. Some restrictions may apply.
Monthly payments vary based on interest rate borrower is approved for and amount borrowed. FOR EXAMPLE: A 72-month new VehicleVantage loan with a 7.50% fixed APR would have monthly payments of $17.29 per one thousand dollars borrowed. A 72-month new VehicleVantage loan with a 18.00% fixed APR would have monthly payments of $25.14 per one thousand dollars borrowed.
*Fees for disposition, excess mileage and/or damage may apply only if you decide to return the vehicle at the end of term to exercise the “Walk Away” option instead of choosing to sell, trade, refinance or pay off.
For complete details,
contact the Consumer Lending Center
.
Skip to main content
Schedule an Appointment
ATMs & Locations
Rates
Apply for a Loan
Open an Account
Sign In
Routing Number
314089681
Join
Search
Sign In
Find Your Next Car
Search New & Used Vehicles
Preferred Dealers
Loan Protection
GAP Plus
Mechanical Repair Coverage (MRC)
Credit Insurance
Home Loans & Realty
You found your dream home, now find financing that fits you
Mortgage Overview
Purchase
Refinance
Loan Options
Fixed-Rate
Adjustable-Rate
FHA & VA
Jumbo
New Construction
Land
100% Financing
100% Financing for Medical Professionals
First-Time Homebuyers
Home Equity/HELOC
Home Improvement
Homebuying & Selling Services
Realty Services
Title Insurance
Home Appraisal
Mortgage Retail Team
Retirement
Helping school employees plan for the future with confidence
Retirement Program Overview
Schedule an Appointment
403(b)
Roth 403(b)
457(b)
Roth 457(b)
RBFCU Freedom Retirement Plan
Enroll Online
Manage Your Account
Investments
Helping you invest in life's big moments
Investments Overview
Schedule an Appointment
Financial Advisors
Virtual Advisory Center
Investment Strategies
Financial Health Check
Wealth Management
Trust Services
Insurance
All the coverage you need in one place
Insurance Overview
Request a Quote
Homeowners Insurance
Auto Insurance
Personal Insurance
Business & Commercial Insurance
Health Care Plans & Insurance
Medicare Supplement Insurance Plans
Business
Earning your trust by serving your business
Business Overview
Business Loans
SBA Loans
Business Credit Card
Business Accounts
Business Checking
Business Services
Select Group Membership
Learn
Learn more, earn more, save more with RBFCU
Learn About Finances With RBFCU
Budgeting & Saving
Credit Scores & Credit Reports
Buying a Car & Vehicle Loans
Student Loans & Paying for College
Mortgage Loans & Homeownership
Investments & Financial Planning
Security & Fraud Center
Financial Education
Request a Financial Presentation
GreenPath Financial Wellness
Virtual Financial Coach
Financial Counseling & Education
Debt Management
Calculators
It's a Money Thing
Video Series
Junior Series - Ages 4-10
En Español
Seminars & Webinars
Youth Ambassador Program
FAQs
RBFCU Mobile
®
app
Download our app for a better mobile banking experience.
Get
VehicleVantage Auto Loan
Get More For Less
Are you experiencing “sticker shock” while shopping for a vehicle? Are you lowering your standards to get the vehicle payment you can afford instead of the vehicle you want? If so, our VehicleVantage Auto Loan can offer a lower monthly payment with savings as high as 40%.
To apply for a VehicleVantage Auto Loan, contact us at
210-945-3300
.
WHY PAY FOR THE WHOLE CAR? PAY FOR WHAT YOU USE.
$40,000 CAR
Payments are based on actual use of vehicle (depreciation) with the final payment being based on the projected resale value (Guaranteed Future Value) of the vehicle at loan maturity.
Why choose RBFCU VehicleVantage?
New and pre-owned vehicles up to five years old qualify
Flexible loan terms of up to 72 months at competitive rates
Annual mileage options of 7,500, 10,000, 12,000, 15,000 and 18,000 available
No security deposit, acquisition fees or early payoff penalty
More options prior to loan maturity and at loan maturity with title in your name
New, Used, Refinance? We’ve got another option.
$0 due at signing
Get into your new car with just your signature and no money due at signing.
Flexible mileage options
Save money by choosing the mileage option that works best for your lifestyle; between 7,500 to 18,000 miles per year.
Titled to you
You can trade-in, sell or pay off your vehicle at any time because the vehicle is titled to you, giving you more freedom with your auto loan.
Option to 'Walk Away'*
You can surrender your vehicle and walk away when paying to the end of your loan term, if you’re ready for a different vehicle.
No negative equity
Break the negative equity cycle! With a Guaranteed Future Value when paying to the end of your loan term, you can end with a clean slate and start a new adventure.
No early termination fees
No early termination fees if you choose to trade, sell or pay off your vehicle at any time.
40% lower monthly payments? Here’s how it works:
Example:
A vehicle loan amount of $30,000, a loan term of 36 months, and a Guaranteed Future Value (GFV) of $16,500
Financing Option
Conventional Loan
RBFCU VehicleVantage
Loan Amount
$30,000
$30,000
Monthly Payments
$869
$464.80
Loan Amount
Conventional Loan :
RBFCU VehicleVantage :
$30,000
$30,000
Monthly Payments
Conventional Loan :
RBFCU VehicleVantage :
$869
$464.80
Payments 1-35 are $464.80 with a 36th payment of $16,500 (GFV). You save $404.20 per month.
VehicleVantage Auto Loan
72 month
View Details
%
VehicleVantage Auto Loan
60 month
View Details
%
VehicleVantage Auto Loan
48 month
View Details
%
VehicleVantage Auto Loan
36 month
View Details
%
More Rates
VehicleVantage FAQs
Which model-year vehicles are eligible for VehicleVantage?
+
-
Future year, current year and used vehicles up to five model-years old are eligible for VehicleVantage.
What vehicles are not eligible for VehicleVantage?
+
-
Vehicles not eligible for VehicleVantage include those considered “Grey Market,” “Lemon Law,” salvaged vehicles, vehicles older than five model-years, or select vehicle models. The loan calculator will not display vehicles that are not eligible for the program.
What is the Guaranteed Future Value (GFV)?
+
-
The Guaranteed Future Value is the projected end of the VehicleVantage
loan term “resale” value of a vehicle. This value is guaranteed by Auto Financial Group (AFG).
Is the 'Walk Away' option available before the scheduled loan maturity?
+
-
No. The “Walk Away” option is only available when the VehicleVantage
loan is paid to the end of the loan term.
What are the mileage options for a VehicleVantage Auto Loan?
+
-
The annual mileage options for a VehicleVantage Auto Loan
are 7,500, 10,000, 12,000, 15,000, or 18,000, in addition to the current mileage on the odometer when financed. For example, if the borrower selects the annual mileage option of 15,000 and is in a four-year loan term, they may not accumulate more than 60,000 additional miles without incurring an excess mileage fee.
If the borrower exceeds the elected mileage allowance, they will be charged $0.10 for each mile in excess of 60,000 miles if they elect to surrender their vehicle to Auto Financial Group (AFG)
via the “Walk-Away” option at loan maturity. If the borrower elects to trade, refinance, sell, or pay off the loan then over mileage fees are not applicable.
What are payments like with a VehicleVantage Auto Loan?
+
-
Unlike a conventional auto loan where your loan payments remain the same throughout, with a VehicleVantage Auto Loan, you'll make smaller monthly payments in exchange for one larger payment at the end of your term. This final payment is based on the Guaranteed Future Value of the vehicle, which is agreed upon up front.
What ownership options do I have with VehicleVantage?
+
-
VehicleVantage Auto Loans have the following ownership options:
At any time:
Pay off and keep the vehicle, trade it in to a dealership, sell it privately, or refinance and keep the vehicle.
At the end of your loan:
All of the above options are available, or you may surrender the vehicle via the “Walk-Away” option and turn it in, instead of paying the final Guaranteed Future Value payment.
What are the advantages of a VehicleVantage Auto Loan over a conventional auto loan?
+
-
You only pay for what you use, which results in a lower payment with a VehicleVantage Auto Loan since payments are based on actual use of the vehicle (depreciation) with the final payment being based on the projected resale value (Guaranteed Future Value) of the vehicle at loan maturity.
How can I apply for a VehicleVantage Auto Loan?
+
-
Please contact our Consumer Lending Center at
210-945-3300
to apply for a VehicleVantage Auto Loan.
What are the terms available for the VehicleVantage Auto Loan?
+
-
VehicleVantage offers flexible loan terms available up to 72 months at competitive rates.
Could I have more than one VehicleVantage Auto Loan at a time?
+
-
Yes. Credit permitting, a borrower can have more than one VehicleVantage Auto Loan.
Is a VehicleVantage Auto Loan only for a purchase of a new/used auto?
+
-
No. You can also refinance an existing auto loan with a VehicleVantage Auto Loan.
Could I use a Vehicle Buyer's Check (VBC) for a VehicleVantage Auto Loan?
+
-
No, you cannot use a Vehicle Buyer's Check for a VehicleVantage Auto Loan. There are limitations on vehicles that are eligible for VehicleVantage.
How do I know if a vehicle is eligible for the VehicleVantage Auto Loan?
+
-
You can contact our Consumer Lending Center at
210-945-3300
or use the calculator on the
VehicleVantage page
to check if the vehicle you are interested in is an option.
Is the VehicleVantage Auto Loan a lease?
+
-
No. You are not locked in with a VehicleVantage Auto Loan. You have options to trade, sell, refinance or pay off with no penalty at any time during the loan.
Can I add credit union products to the VehicleVantage Auto Loan?
+
-
Yes. You can add
Credit Insurance
,
Mechanical Repair Coverage
, and/or
Guaranteed Asset Protection (GAP) Plus
to a VehicleVantage Auto Loan.
Are there any additional fees for a VehicleVantage Auto Loan?
+
-
Fees for disposition ($195), excess mileage ($0.10 per mile) and/or damage to the vehicle may apply with a VehicleVantage Auto Loan,
but only if you decide to return the vehicle at the end of term to exercise the “Walk Away” option.
If you choose to sell, trade, refinance or pay off your VehicleVantage loan, then there are no fees for disposition, excess mileage and/or damage.
Could I finalize a VehicleVantage Auto Loan at the dealership when purchasing my vehicle?
+
-
No. Currently a VehicleVantage Auto Loan is only
available when finalizing directly with RBFCU.
Find Your Next Car
Auto Insurance
Auto Loans
Other Vehicle Loans
Auto loans subject to credit review and approval. Rates and terms subject to change without notice. Some restrictions may apply.
Monthly payments vary based on interest rate borrower is approved for and amount borrowed. FOR EXAMPLE: A 72-month new VehicleVantage loan with a 7.50% fixed APR would have monthly payments of $17.29 per one thousand dollars borrowed. A 72-month new VehicleVantage loan with a 18.00% fixed APR would have monthly payments of $25.14 per one thousand dollars borrowed.
*Fees for disposition, excess mileage and/or damage may apply only if you decide to return the vehicle at the end of term to exercise the “Walk Away” option instead of choosing to sell, trade, refinance or pay off.
For complete details,
contact the Consumer Lending Center
.