Auto Resource Center
Your Next Ride
Begins Here
From buying to refinancing—or simply exploring your options—Affinity is your trusted auto partner.
Start with Pre-Approval. Shop With Confidence.
Know your budget before you browse. Getting pre-approved helps you understand what you can afford, can strengthen your buying power at the dealership, and can speed up the financing process when you’re ready to drive.
Get Pre-Approved with Affinity
Walk into the dealership with financing options in hand. With your budget set and financing in place, you can focus on finding the right car at the right price—with more confidence in your purchase.
Knowing what you can afford helps you shop smarter.
Auto Loan Rates
Discover our competitive auto loan rates and find the perfect option to fit your budget.1
| Term | New APRs1 | Refi APRs1 | Used APRs1 |
|---|---|---|---|
| 36 months: | 4.94% | 5.45% | 5.45% |
| 48 months: | 5.09% | 5.60% | 5.60% |
| 60 months: | 5.29% | 5.80% | 5.80% |
| 72 months: | 5.54% | 6.05% | 6.05% |
| 84 months: | 5.84% | 6.35% | 6.35% |
| 96 months: | 6.62% | - | - |
Rates include 0.25% reduction for automatic payments made from your Affinity account.1
AUTO KNOWLEDGE ARTICLES
Tools to Take the Wheel on Your Car Search.
Explore our dealer network, estimate the value of your current car, unlock a free CARFAX report, and compare models by MPG, features, and safety—all in one place.
Estimate Your Payment Before You Shop.
Not sure what fits your budget? Use our auto loan calculator to crunch the numbers—just enter your loan amount, rate, and term to see your estimated monthly payment in seconds.2
Stay Covered on the Road and Beyond.
From unexpected repairs to accidents and everything in between, our optional protection plans—like GAP coverage and mechanical breakdown protection—help keep you covered on the road and beyond.
Lease or Finance? Drive Your Way.
Discover the key differences between leasing and financing a car, including monthly costs, ownership benefits, and long-term savings, to find the best option for your next vehicle.
Auto Loans
Features & Benefits
You own the car once it’s paid off
Typically higher monthly payments
May require a down payment
No mileage limit restrictions
You're responsible for wear & tear
You can modify the vehicle
You can keep or sell the vehicle once paid off
Best for long-term value and full ownership
Auto Leases
Features & Benefits
You return the car at lease-end
Typically lower monthly payments
Usually lower upfront costs
Annual mileage limits apply
Charges may apply for excessive wear
Vehicle modifications usually not allowed
Option to buy or lease a new vehicle
Best for lower payments and frequent upgrades
| Feature |
|---|
| Ownership |
| Monthly Payments |
| Upfront Costs |
| Mileage Limits |
| Wear & Tear |
| Customization |
| End of Term |
| Best For |
| Auto Loan | Auto Lease |
|---|---|
| You own the car once it’s paid off |
You return the car at lease-end |
| Typically higher |
Typically lower |
| May require a down payment |
Usually lower upfront costs |
| No restrictions |
Annual mileage limits apply |
| You're responsible, but no lease penalties |
Charges may apply for excessive wear |
| You can modify the vehicle |
Customization usually not allowed |
| You keep or sell the vehicle |
Option to buy or lease a new vehicle |
| Long-term value and full ownership |
Lower payments and frequent upgrades |
Ready to Take the Next Step?
After comparing financing and leasing, explore your options: buy out your current lease, upgrade to a new one, or finance your next vehicle—whatever works best for your goals.
Auto Lease Buyout
Love your current car? Buy it at the end of your lease and make it yours.
Finance Your Next Car
Skip leasing and purchase your next ride with flexible financing options.
AUTO KNOWLEDGE ARTICLES
