Like a lease, Empower DrivingSense offers payments that are considerably lower than conventional financing. But unlike a lease, with Empower DrivingSense you own the vehicle and have all of the flexibility and benefits of vehicle ownership.

Other benefits include:
  • New and pre-owned vehicles up to five years old qualify
  • Flexible loan terms of up to 72 months
  • No down payment required
  • Annual mileage options of 7,500 to 18,000.
  • No security deposit or acquisition fees
  • No early payoff penalty
  • Since the title is in YOUR name you have more options prior to loan maturity and at loan maturity. Including the ability to turn your vehicle in and walk away at the end of the loan term.
  • Refinance your current vehicle loan to reduce your monthly payments with the AFG Balloon Lending program.
  • Enables you to easily upgrade and/or change your vehicle every couple of years.


DrivingSense's program offers payments up to 45% lower than conventional financing. 

EXAMPLE: A vehicle with a loan amount of $32,600, a loan term of 36-months and a Guaranteed Future Value of $18,719. 
Financing Option Conventional Loan DrivingSense
Loan Amount $32,600 $32,600
Monthly Payments $999 $540*
APR 6.49% 6.49%

*Payments 1-35 are $540.00 with a 36th payment of $18,719.00 (GFV). You Save $459.00 Per Month.

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What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY, NC, SC and TN.

Empower Federal Credit Union rated 5-Stars by Bauer in 2023  Best Companies to work for New York 2023 Logo2023 Winner of Best Companies to Work for in New York State