payment saver logo

A Loan That Works Like a Lease

If you’ve looked into leasing a vehicle or are just looking for a more economical way to own one, take a look at the Empeople Payment Saver auto loan.

Empeople’s Payment Saver loan gives you the best of both worlds. Like a lease, Payment Saver offers considerably lower payments than conventional financing. Yet, unlike leasing, with Empeople’s Payment Saver loan you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership.

There’s no security deposit, no acquisition fee, and no pre-payment penalties. Yet, like a lease, you pay only for the depreciation of your vehicle while you use it. And, at the end of the term, you can choose to refinance and keep your vehicle, sell it, trade it in on a new one, or return the vehicle at loan maturity (subject to inspection and mileage).

All new and up to five-year old cars, vans, and light trucks qualify for a Payment Saver auto loan and can be financed for up to 72 months¹. Other benefits of Payment Saver include:
  • No capitalization fees
  • No application fee
  • No security deposit
  • No upfront first or last payment
  • No early payoff penalty
  • 100% financing with no money down
  • Mileage² options of 7,500, 10,000, 12,000, 15,000 and 18,000 per year available
  • View all rates, terms, and disclaimers.

Look how much you may save:

$30,000 vehicle loan, financed for 36 months

Conventional Loan Payment Saver
Loan Amount $30,000 $30,000
Monthly Payment $869.13 $465
To estimate your vehicle payments, use our Payment Saver Auto Loan Calculator³.
¹ Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms.
² Mileage options apply only if you return the vehicle at program end. Other fees and conditions may apply.
³ This calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary. Rates shown are for illustrative purposes only and may vary due to individual creditworthiness and or loan term. Payments shown may vary from final loan payment provided by Empeople loan representatives.

Recommended Reading

Financial Tips to Start the New Year Off Right

The year is nearing an end, and people across the world and of all ages are starting to make their New Year resolutions. For many, that will include at least one financial resolution. Start your year off right by taking steps toward your financial goals with these tips for your best financial year yet! Stay […]

How to Create a Holiday Budget That Won’t Break the Bank this Year 

The holiday season is officially upon us! While it’s a beautiful time of year, the holidays can be stressful financially as families prepare for holiday gift-giving and other traditions. Use this guide to create a holiday budget that won’t leave you stretched or stressed in the new year.  Not all families have the means to […]

Financial Planning: A Guide to Creating a Financial Plan That Works for You

Financial planning is an essential component of securing the financial future of your dreams. After all, failing to plan is planning to fail. In the realm of financial health, we’ve got the tools and resources you need to plan properly. Follow the tips in this comprehensive financial planning guide to discover the fundamental principles, strategies, […]

Our Top 5 Money Management Tips for Healthy Finances

Money management is really about taking the time to understand financial literacy, and then applying it to your financial goals. Focus on the following money management tips to start your journey to financial success! Determine Your Short and Long-Term Financial Goals  Before embarking on your journey to financial wellness, start to consider your goals. These […]