Enjoy lower monthly payments alongside the freedom and pride of vehicle ownership. Powered by Auto Financial Group (AFG), PrimeDrive lets you drive the new or pre-owned vehicle you want with monthly payments up to 30% to 40% lower than conventional auto financing. 

 

Serving Muncie and our surrounding communities, PrimeTrust Federal Credit Union brings you a smarter way to finance your next car, truck, or SUV.

 

Why Choose PrimeDrive?

• Up to 40% Lower Monthly Payments: By financing only the portion of the vehicle's value you use during the loan term, your monthly obligation is dramatically reduced compared to traditional financing.

• True Ownership Title: Unlike a traditional lease where the leasing company owns the vehicle, the vehicle is titled in your name. You build equity, avoid acquisition fees, and retain total control.

• New & Pre-Owned Coverage: Available on brand-new vehicles as well as pre-owned models up to 5 model years old.

• No Money Down Required: Drive away with $0 down payment options, no upfront security deposits, and no early payoff penalties.

• Guaranteed Future Value (GFV): AFG establishes a guaranteed future value for your vehicle upfront based on industry standards, protecting you against unexpected market depreciation.

How PrimeDrive Works

With conventional financing, you pay for 100% of the vehicle’s value over the life of the loan. With PrimeDrive, you only pay for the portion of the vehicle you actually use.

• Choose Your Vehicle & Term: Pick a new or pre-owned vehicle (up to 5 years old) and select a term from 24 to 72 months.

• Select Your Mileage: Customize an annual mileage allowance that fits your lifestyle (from 7,500 to 18,000 miles per year).

• Drive with Lower Payments: Enjoy significantly lower monthly payments throughout the term.

• Decide at the End: At the end of your term, choose from three flexible options—including walking away from the remaining balance.

 

3 Flexible End-of-Term Options

When your PrimeDrive term ends, you remain in complete control with three simple choices:

1. Trade In or Sell: Trade in the vehicle at any dealership or sell it privately. Pay off the remaining Guaranteed Future Value balance and keep any excess equity.

2. Refinance or Keep: Love your car? Pay off the remaining residual balance or easily refinance it through PrimeTrust FCU to keep the vehicle permanently.

3. Turn In & Walk Away: Simply return the vehicle to PrimeTrust at loan maturity and walk away from the final payment, with no further obligations (subject to mileage and wear guidelines).