Anchor Auto Flex Loan
Our Anchor Auto Flex loan program guarantees a future value for your vehicle. So you can save up to 40%** on your monthly payments.
Terms up to 72 Months
Choose the terms that works best for you budget.
New & Pre-Owned Vehicles
New and pre-owned vehicle up to 5 years old qualify.***
You OWN IT
Trade in anytime and sell anytime with rights of ownership.
No Early Payoff Fees
Pay off your loan early without penalties.
FLEXIBILITY AT THE END OF YOUR LOAN
At the end of your loan term, you have options. You’re in control.
Trade It or Sell It
Trade in your vehicle or sell it privately.
Keep it
Make the final payment and keep your vehicle.
Refinance
Refinance the remaining amount.
Walk Away
Turn in your vehicle and walk away from the final payment.****
Up to 40% lower monthly payments than conventional financing!
Here’s how:
2026 TOYOTA TACOMA 4WD DOUBLE CAB
GUARANTEED FUTURE VALUE = $26,834
LOAN AMOUNT = $40,000
Traditional Loan
$725 per Month
Anchor Auto Flex
$396* per Month
That’s a $392 monthly savings!
*Payments 1-59 are $396 with a 60th payment of $26,834 (GFV). Monthly payment example is with a 6.00% APR and a 60 month term.
2026 SUBARU FORESTER
GUARANTEED FUTURE VALUE = $11,792
LOAN AMOUNT = $32,080
Traditional Loan
$607 per Month
Anchor Auto Flex
$459* per Month
That’s a $148 monthly savings!
*Payments 1-59 are $459 with a 60th payment of $11,792 (GFV). Monthly payment example is with a 6.00% APR and a 60 month term.
2026 tOYOTA cAMRY se
GUARANTEED FUTURE VALUE = $14,785
LOAN AMOUNT = $31,880
Traditional Loan
$736 per Month
Anchor Auto Flex
$486* per Month
That’s a $250 monthly savings!
*Payments 1-47 are $486 with a 48th payment of $14,785 (GFV). Monthly payment example is with a 6.00% APR and a 48 month term.
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No. Unlike a lease, you have options to trade, sell, refinance, or pay off the loan at any time during the term without penalty.
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The Guaranteed Future Value is the expected “resale” value of the vehicle at the end of the loan term. This value is guaranteed by Auto Financial Group (AFG), a partner of Ancorum Credit Union.
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With an Anchor Auto Flex Loan, you will have 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 to at loan closing.
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With an Anchor Auto Flex Loan, you can get a loan term up to 72 months.
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Vehicles that are five years old or newer are eligible for Anchor Auto Flex.
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No. The “Walk Away” option is only available when the loan is paid to the end of the loan term.
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Yes, you can add CU Certified, Guaranteed Asset Protection (GAP) Plus, and Loan Debt Protection* to an Anchor Auto Flex Loan.
*Please note that not all Loan Debt Protection coverages will cover the final payment.
APR = Annual Percentage Rate. All terms and conditions are subject to underwriting criteria and creditworthiness and may not be available to all borrowers.
**All terms and conditions are subject to underwriting criteria and may not be available to all borrowers. 40% savings in payment is not guaranteed.
***Some exclusions apply. Contact Ancorum Credit Union to verify if the vehicle you are interested in qualifies.
****Any remaining balance in excess to the Guaranteed Future Value will be the responsibility of the borrower(s). Damage, high mileage, delinquency, and late fees may result in a remaining balance due that exceeds the Guaranteed Future Value.