DrivingSense
(Lease Alternative)

Discover DrivingSense, SUN Credit Union’s flexible lease alternative that combines low payments with ownership benefits.
The DrivingSense program is designed to offer you an alternative to traditional leasing and financing, giving you the best of both worlds with low payments and the freedom of ownership.

DrivingSense vs Conventional Financing

Category DrivingSense Conventional Financing

Monthly Payments

Lower payments with savings as high as 40%.

Typically higher monthly payments.

Loan Terms

Flexible terms ranging from 24 to 72 months on all models up to 5 years old.

Fixed terms, often less flexible.

Payment Structure

Based on actual use of the vehicle (depreciation) with a final balloon payment based on projected resale value.

Based on full vehicle cost without factoring depreciation.

Negative Equity Risk

Reduces negative equity risk by aligning payments with the vehicle's depreciation.

Higher risk of negative equity, especially with rapid depreciation.

DrivingSense vs Leasing

Category DrivingSense Leasing

Ownership

Vehicle titled in your name; you own it.

Vehicle owned by the leasing company.

Flexibility

Pay off, sell, or trade your vehicle anytime with no pre-payment penalty.

Restrictions on early termination and pre-payment penalties.

End-of-Term Options

Return the vehicle at loan maturity or pay the final balloon payment to keep it.

Return the vehicle; often with mileage or wear-and-tear penalties.

Eligibility

New and pre-owned vehicles up to 5 years old.

Primarily new vehicles; limited options for pre-owned vehicles.

Excess Mileage Charges

Lower charges at $0.10 per mile.

Typically higher charges than DrivingSense.

Upfront Costs

No money down; no hidden costs like acquisition fees or security deposits.

Requires upfront costs such as capitalization fees, acquisition fees, and security deposits.

Relocation Flexibility

We pick up your vehicle anywhere in the U.S. if you return it at loan maturity.

Requires returning the vehicle to the original dealer location, potentially incurring travel costs.

Take advantage of this great offer and experience the flexibility and affordability of DrivingSense!

Calculate Your Payment

Subject to credit union lending guidelines and eligibility requirements. Terms and conditions apply.