A Loan That Works Like a Lease
If you’ve looked into leasing a vehicle or are just looking for a more economical way to own one, take a look at the Empeople Payment Saver auto loan.
Empeople’s Payment Saver loan gives you the best of both worlds. Like a lease, Payment Saver offers considerably lower payments than conventional financing. Yet, unlike leasing, with Empeople’s Payment Saver loan you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership.
There’s no security deposit, no acquisition fee, and no pre-payment penalties. Yet, like a lease, you pay only for the depreciation of your vehicle while you use it. And, at the end of the term, you can choose to refinance and keep your vehicle, sell it, trade it in on a new one, or return the vehicle at loan maturity (subject to inspection and mileage).
- No capitalization fees
- No application fee
- No security deposit
- No upfront first or last payment
- No early payoff penalty
- 100% financing with no money down
- Mileage² options of 7,500, 10,000, 12,000, 15,000 and 18,000 per year available
- View all rates, terms, and disclaimers.
Look how much you may save:
$30,000 vehicle loan, financed for 36 months
| Conventional Loan | Payment Saver | |
|---|---|---|
| Loan Amount | $30,000 | $30,000 |
| Monthly Payment | $869.13 | $465 |
To estimate your vehicle payments, use our Payment Saver Auto Loan Calculator³.
¹ Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms.
² Mileage options apply only if you return the vehicle at program end. Other fees and conditions may apply.
³ This calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary. Rates shown are for illustrative purposes only and may vary due to individual creditworthiness and or loan term. Payments shown may vary from final loan payment provided by Empeople loan representatives.
Recommended Reading
Four spooky money scams to watch out for this Halloween
Ghouls and goblins aren’t the only frightening creatures lurking around this fall. Scammers are preying on your social media, your email inbox, and even texting or calling your phone number, trying to steal your money or personal information. The Federal Trade Commission has reported a 14 percent increase in total losses from fraud, topping over […]
Feel your best with financial self-care
Self-care looks different for everyone: a little retail therapy, an at-home spa treatment, a fancy coffee or a little treat, a binge-fest with the cast of FRIENDS, a fancy dinner out, or a big serving of mom’s lasagna. No matter what forms of self-care you indulge in, we should all practice this form of pampering: […]
How to adjust your budget after receiving a promotion
According to the U.S. Bureau of Labor Statistics, over five million people were hired for a new job this fiscal year alone. Additionally, U.S. employers promote nearly seven percent of their workforce annually. Whether you’ve received a raise because of an internal job promotion, or you’re earning extra money at a new job, adjusting your […]
Three types of insurance that are worth the money
Most people hold basic, necessary insurance policies like auto insurance, health insurance, life insurance, and long-term disability insurance. However, there are a vast array of ancillary insurance products to help make life’s unexpected hurdles more manageable. After all, roughly 44 percent of Americans do not have enough money in savings to cover a $1,000 emergency. […]