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smartwheelsowlA Smart Wheels loan...the wiser choice in new and pre-owned vehicle financing!  (Click for a test drive)

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing!   Sound too good to be true? Well, JACFCU has the vehicle financing answer for you .... a Smart Wheels loan!

A Smart Wheels loan gives you the best of both worlds. Like a lease, Smart Wheels offers payments considerably lower than conventional financing. Yet, unlike leasing, with Smart Wheels you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

All new and up to five-year old cars, vans, and light trucks qualify for Smart Wheels financing. All vehicles can be financed for up to 72 months! Other benefits of a Smart Wheels loan include:

$     No Capitalization Fees

$     No Application Fee

$     No Security Deposit

$     No Up Front First or Last Payment

$     Option to Sell, Trade, Finance Vehicle Anytime or

$    Return Vehicle at Loan Maturity and simply “Walk-away”.

$     No Early Payoff Penalty

$     100% Financing with NO MONEY DOWN.

$     Mileage Options of 12,000, 15,000 and 18,000* Per Year Available

Want to find out how low your Smart Wheels loan payment could be?...Click here or on the Smart Wheels logo above to go to the Smart Wheels CarBuilder calculator where you can build your car from the comfort of your own home. For more information about a Smart Wheels loan call 716-483-1650 or visit JACFCU today!

All loans are subject to credit approval.


Main office: 915 E. Second Street
Jamestown, NY 14701
(716) 483-1650