SmartBuy

Capitol View’s SmartBuy program offers payments up to 40% lower than conventional financing.

For example, a vehicle with a loan amount of $30,000, a loan term of 36-months and a Guaranteed Future Value (GFV) of $16,500:

Guaranteed Future Value means more options at loan maturity!

  • TRADE IN vehicle and apply positive equity toward next vehicle
  • Make final balloon payment (Guaranteed Future Value) and KEEP vehicle
  • TURN IN vehicle & “WALK AWAY” from the final payment (Guaranteed Future Value)

 

Explore Your Options Using Our
SmartBuy Calculator

Key Benefits:

  • Lower monthly payments – 30-40% lower on average than with conventional financing.
  • No down payment required and no prepayment penalties.
  • Flexible loan terms from 2 to 5 years.

Advantages Over Leasing:

  • You own the vehicle (titled in your name – not the leasing company’s).
  • You can carry the level of personal vehicle insurance you choose versus the level of coverage stipulated by the leasing company in the lease contract.
  • You can negotiate the vehicle purchase price like a cash purchase with the dealer.
  • Lower excess mileage charge than most leasing programs of only $.10 per mile*.
  • Lower disposition fee than most leasing programs of only $195*.

*fees apply only if you decide to return the vehicle in lieu of making the final balloon payment

Flexible End of Loan Term Options:

  • Refinance remaining balance at loan maturity or anytime during the loan term.
  • Keep, sell or trade the vehicle at loan maturity or anytime during the loan term.
  • Return the vehicle at loan maturity in lieu of making the final balloon payment with no end of loan term hassles.
  • Vehicle pick-up is arranged, even if you have moved to a different state!

 

Contact Us to Learn More or to Apply
caploan@capview.com
515-348-8350, Option 4