Does Sticker Shock have you feeling like you can’t get your dream car? How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing?

Our new Drive Your Dream loan program offers just that! You will enjoy considerably lower monthly payments than conventional financing. And unlike a lease, you own the vehicle and have all of the flexibility and benefits of vehicle ownership. Sounds too good to be true, right? Nope it’s for real…this definitely isn’t your parent’s auto loan!

Why settle for a car you don’t want, Drive Your Dream puts you behind the wheel of the new or pre-owned vehicle you want at the monthly payment you can afford.


No money down


Reducing risk of negative equity


A payment you can afford


With Drive Your Dream the title is in YOUR name, giving you more flexibility prior to, and at loan maturity. At any time you have the option to sell, trade, refi, or payoff without early termination fees. And, of course you can also simply turn in your vehicle and “walk away” at loan maturity.

Questions? Call us @ 541-259-1235 or apply online today.

Unlike leasing where the vehicle is titled in the name of the leasing company, with Drive Your Dream the vehicle is titled in your name. 

  • No Down Payment Required 
  • No Security Deposit Required
  • No First & Last Payments Required

You can select a 7,500, 10,000, 12,000, 15,000, or 18,000 miles per year option. The excess mileage cost is only $.10 a mile, unlike leasing which can cost up to $.25 per mile. End of term fees only apply if you exercise the “walk-away” option.

You will not be exposed to any hidden expenses either during the term of the loan, or at loan maturity, if you elect to return the vehicle. Traditional leasing has an excess wear and tear clause that is not clearly defined. In contrast, Drive Your Dream clearly defines the vehicle return condition requirements.

Because you own the vehicle you may pay the loan off, sell the vehicle, or use it as a trade-in at any time during the term of the loan—without any penalty. With a traditional lease these options typically come with a stiff “early termination” fee.

If you move during the term of a Drive Your Dream loan and elect to return the vehicle, your vehicle can be picked up from a mutually agreed upon location, anywhere in the US. Many leases require you to return the vehicle to the original dealership, and if you have moved you will be responsible for the cost of returning it.

With traditional leasing, if you decide to keep your vehicle, you have to buy it out. Which means you’ll pay tax, title and license on the vehicle you’ve been driving. With Drive Your Dream, you simply refinance your balance into a conventional loan, no additional charges. It’s already titled in your name.

Drive Your Dream uses standard industry residual values. The residual value is not inflated to arrive at an arbitrary lower payment. This means if you elect to keep the vehicle upon loan termination you will not have to pay an inflated price to pay off the loan.



Drive Your Dream offers payments up to 40% lower than conventional financing.

*Payments 1-59 are $470.71 with a 60th paymentof $18,500 (GFV)

Residual Value and Guaranteed Future Value (GFV): The residual is the projected value of the vehicle at loan maturity. Our program guarantees this residual – we call it the “Guaranteed Future Value.” If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and “walk away.”



Visit our Drive Your Dream Payment Calculator to find out how low your monthly payment could be. Select your dream vehicle and compare the low Drive Your Dream payments vs. what you would pay on a conventional loan.

For more information about the Drive Your Dream Program call us @ 541-259-1235 today!



Future year, current year, and used vehicles up to five years old.


24 to 72 months.


Established based on the term of the loan using industry approved guidelines similar to leasing.


The difference between what you pay for the vehicle and the residual value is used to determine the principal portion of your payment, which results in a lower monthly payment than conventional financing.


At any time during your loan term:

  • Sell the vehicle, pay the loan balance (including residual value) and keep any difference
  • Use the vehicle as a trade-in, and the loan balance (including residual value) is paid as part of the transaction
  • Keep the vehicle and refinance the loan balance (including residual value) as a used vehicle loan

At loan maturity:

  • Return the vehicle and “walk away” from the residual value