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Driving Sense

All the benefits of leasing with none of the hassle

An auto loan that works like a lease! Get the car of your dreams with lower payments and flexible options with a Driving Sense Loan from SFCU.


Nothing Due at Signing

Forget down payments. Get into your new car with just your signature and no money due at signing.


No Early Termination Fees

Unlike a lease, you can sell, trade, refinance, or pay off your vehicle at any time during your Driving Sense Loan with no early termination fees.


Flexible Mileage Options

Save money by choosing the mileage options that work best for your lifestyle. Driving Sense Loan options between 12,000, 15,000, or 18,000 miles per year.

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Titled to You

You can trade in your vehicle at any time because the car is titled to you, giving you more freedom with your auto loan.


Option to Walk Away

Surrender your vehicle and walk away at loan maturity if you're ready for a different vehicle for even more freedom.


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As low as APR*

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

No money at signing

Get into your new car sooner

Who needs down payments or fees? With a Driving Sense Loan from SFCU, you can get into your new car with no first or last payment due at signing, making it easier to purchase the car of your dreams.

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No early termination fees

Enjoy more flexibility with your auto loan

Whether you want to sell, trade, refinance, or pay off your vehicle, you can do whatever works for your goals with a Driving Sense Loan. Enjoy more flexibility with how you handle your loan without worrying about early termination fees.

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Driving Sense Frequently Asked Questions

  • We appreciate you financing your vehicle with SFCU. We require a copy of your declaration page for the loan collateral (insurance binders expire after 30 days). Notices(s) will be sent if proper proof is not provided. You may ask your insurance provider to supply this if it is more convenient. How to Provide Your Insurance Policy Declaration Page:

    • Upload: Have the Reference # and PIN provided on the letter you received available.
    • Email: (file type: PDF, PNG, TIF or JPG)
    • Fax: 877.419.8521
    • Mail: Sidney FCU, Insurance Tracking Center, PO Box 924281, Fort Worth, TX 76124

    Requirements: continuous insurance with no lapses, Sidney FCU named as lien holder/loss payee, and both comprehensive and collision coverage (or physical damage) with deductibles not greater than $1,000. Note: An Insurance ID Card is NOT adequate evidence of the required physical damage insurance.

    Questions? Call 877.244.8212

    If proof is not provided, we will buy insurance coverage on the collateral and charge the cost to you.

I went in to get a car loan The process was simple and easy The staff at the branch were friendly and helpful I've never had a better experience getting a loan

— Joyce B

How it works

It's easy to get a Driving Sense Loan with us.

  • 1

    Complete an application

    It takes only a few minutes to fill out the online application.

  • 2

    Get response

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use the funds

    Purchase or refinance your next car using the funds.

Apply for a Driving Sense Loan


Have a question? Get in touch with us

Enjoy the best of both worlds

With a Driving Sense Loan from SFCU, you can enjoy the flexibility of a lease with all the benefits of a loan. Get a car titled in your name with no first or last payment due at signing and flexible mileage options to bring the car of your dreams within reach.

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