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Refinance your car to pull the equity out. Convert to a lease to lower payments. Even if you are upside down, some of these programs will work for you. If you are buried, use our auto "write down" disposal program. You're covered one way or the other. Just fill in the AnalyzerPro© form to explain your situation and what you want to accomplish. Our staff works hard to provide custom refinancing/leasing plans that not only get the job done now, but also pay down principle according to how you depreciate the car. All the decisions will be yours, of course.

  • LOOK TO REFINANCING, CONVERSIONS, AND SALE-LEASE-BACKS TO SAVE/CREATE CASH

The US Motor Club has the lowest auto finance interest rates in America - bar none. We don't add on to the interest rates for our profit like dealers do. Members can lower their monthly payments, often without extending the term of their loan. Our advance policy (loan amount) is the highest in the industry. Extra advance at a super low rate may make the difference between surviving the hard times or not. US Motor Club Members can capitalize their auto-equity instead of letting the equity dissipate along with the depreciating value of their car.

We offer the longest finance terms known in the auto industry, so our members can enjoy a payment that fits in their budget. All of our loans are simple interest amortization. More of your money goes toward principal than any other type of loan. We offer financing to wider array of credit tiers and even have a program where any person can be approved, regardless of credit grade, depending on equity.* Look to a Club Senior Analyst to consult with you, help develop your best action plan, an maybe even help you improve your credit rating so you can get lower interest rates, larger loans, and longer finance terms.

The same goes for our true, level-yield, lease-to-own plans. Members can often restructure a captive factory lease and save thousands. Our leases are also fully assumable - a great consumer benefit. US Motor Club offers the only lease in America for 2004 - 2010 used cars. Our terms are extended, the buyout are fair, which make our lease-to-own programs the absolute lowest payments in the world.

The Club offers free consultation to its members who have put their vehicle in our powerful analytical software. Some members have chosen to save money and increase their trading options by converting their long term loan to a lease. Vice-versa, converting a captive lease to a low-rate finance contract can save money for other members in their present situation.

If you own your auto or truck outright and would like to capitalize the equity, this is the place to do it. Sell us your car, get a check, and lease it back on a pre-arranged contract for a super-low monthly payment. Now you have full use of your cash as well as your vehicle. You retain the right to purchase your car off the lease at any time or at lease end. You could also allow someone else to assume your lease, and keep your money.

Like the sale-lease-back plan described above, you can convert a vehicle you own to a low-rate finance agreement and pull out all or part of your equity. The title stays in your name; you get a check for ay amount you desire up to NADA Retail.* Your car will drive the same. This is an excellent way to "have your cake and eat it too."

*Ready to see what we can do? Click on this Refi Analyzer Pro© input form which is made specifically for US Motor Club members.

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