We know life changes. Now your loan can change with it.

We're excited to introduce Flex Loans, a feature that gives you more control over your existing loan, right from the comfort of your home, making it easier than ever to adjust your loan when your needs change.

What is Flex Loans?

Flex Loans allows you to request a change to your loan term* — up to 12 months — directly within digital banking. When your term changes, your payment amount and loan maturity update automatically.

How Flex Loans can work for you:

• Need a little more room in your monthly budget? Extend your loan term to lower your monthly payment.
• Want to pay off your auto loan faster? Shorten your loan term (payment may increase).
• No interest change. No change to your loan rate. No Penalties. No credit pull. No due date change.
• Credit qualification is based on your credit score at the time of your loan origination, so even if your credit score has decreased since you originally took out the loan, it won't impact your eligibility.

How do I know if my loan is eligible?

Flex Loans is currently available for any auto loan that is more than one year old.

Exclusions include:

• Loans that are past due one day or more
• Loans that have been delinquent three times or more over the life of the loan
• Loans open 365 days or less.
• Loans currently over their original disbursed amount (limit).
• Loans obtained with a credit score of 579 or below at the time of origination
• Loans with a current balance of $2,000 or less

How do I request a loan modification?

Flex Loans can be accessed from online or mobile banking. Simply select your loan account and click or tap Modify My Loan. From here you can increase or reduce your loan term by up to 12 months. Flex Loans requests come with a fee of just $49. You can select which share you want this fee to be taken from.

_{*Subject to credit approval. Loan terms may be extended or shortened by up to 12 months. A $49 processing fee will be charged at the time of application, regardless of approval.}