Want Lower Monthly Auto Payments?

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Lease Buyout Loan

2015 Jeep Grand Cherokee

  • Buyout Loan Amount: $27,000
  • Chrysler Financial Payment: $600
  • FiWize Monthly Payment: $397
  • Save $203 Each Month!

Same Car, Lower Payment!

New Car Purchase Loan

2018 BMW 330i

  • Loan Amount: $40,000
  • BMW Financial Payment: $890
  • FiWize Monthly Payment: $692
  • Save $198 Each Month!

Dramatic Monthly Savings!

Refinance Existing Loan

2016 Ford F-150

  • Original Loan Amount: $40,000
  • Refinance Loan Amount: $20,000
  • Ford Motor Credit Payment: $626
  • FiWize Monthly Payment: $229
  • Save $397 Each Month!

Pay Less Each Month and Save!

Used Car Purchase Loan

2015 Toyota Corolla

  • Loan Amount: $12,000
  • Toyota Financial Payment: $267
  • FiWize Monthly Payment: $166
  • Save $101 Each Month!

A Better Loan with FiWize!


An Auto Loan That Makes You Smile

You won’t believe how much money you can save each month.
Get started now to see if a FiWize auto loan is right for you! 

My Vehicle is Leased

Lease Buyout

Finance my car!

Let’s Start

I Own my Vehicle


Lower my payment!

Refinance Now

I Want to Buy


Save me money!

Finance Me

Why Choose a FiWize Auto Loan?

Want to save money each month on your auto loan? Of course you do… everyone does! We’ve got a loan that accomplishes monthly payment savings that will bring a smile to your face! It doesn’t fully amortize which gives you low monthly payments that you will truly love. Plus, it also has a unique end of term Buy Back Guarantee giving you the ultimate flexibility with the final loan payment. Wait there’s more; you actually own your vehicle. Sound good so far? Well, the savings are not trivial either. Every year you could save a thousand dollars or more on your vehicle financing; those savings could pay for your gas and auto insurance!

Too good to be true? No, it’s for real. It’s residual based financing. Our auto loans are ideal for borrowers with good credit who are going to purchase or refinance a new or late model (five years or newer) vehicle.  Or if you’re coming off a lease and want to buy your vehicle, you definitely need to talk to us!

Learn More

Frequently Asked Questions

Lower monthly payments will make you smile. But there’s so much more…
  • 01. 

    What differentiates a FiWize auto loan from a typical car loan?

    It’s residual based financing (doesn’t fully amortize) which means we can offer lower monthly payments on a shorter term. Plus it has an end of term Buy Back Guarantee. Really.

    You pay low monthly payments until you pay the loan down to a set Future Value (or residual value) of the vehicle. Now you have choices for what to do next (see FAQ below!).  We love choices and think you will too.

  • 02. 

    What is the Future Value of the vehicle?

    The Future Value amount is the final loan payment that will be due at the end of the auto loan term.  It is a higher amount than the typical monthly payment and will be specified clearly in your loan contract so you’ll know exactly what to expect. There are many options on how to handle the Future Value payment, in fact, returning the vehicle and not paying the Future Value is one of them! Read on.

  • 03. 

    What are my options at end of loan term?

    Excellent question. Here’s our excellent answer.  You have several options!

    1. With the end of term Buy Back Guarantee, you can simply return your vehicle. This means you don’t need to pay the final Future Value payment! The guarantee pays the auto loan balance so you don’t have to (subject to contractual terms/conditions).
    2. You can sell your vehicle yourself and pay off the loan balance.
    3. You can trade it in with a dealer (who pays off the loan balance).
    4. Or, if you want to keep your vehicle, simply pay off the loan balance with one payment or refinance it.


    The choice is completely yours.

  • 04. 

    What if I want to get rid of the car before the end of loan term?

    Not a problem. You can trade it at a dealer or sell your vehicle at any time during the loan. As with any other auto loan, the loan balance will need to be paid off.  Want to payoff your loan or refinance before end of term? You can do that too.

  • 05. 

    How can I determine how much I will save with FiWize?

    Start the process from the website or call us at 877-4-FIWIZE right now. We will determine your monthly payments by factoring in (among other things) total amount borrowed, vehicle age, mileage, and the current effective interest rate. Auto loans are uniquely tailored to individual circumstances. Not everyone will qualify, but find out if you do today!



Read what our customers are saying

I wanted to buy my 2015 Subaru Legacy at the end of the lease, but couldn’t afford the high monthly payment to keep it. I found FiWize and applied. I got approved! My monthly payment dropped (it’s even less expensive than leasing a new Subaru!). I got to keep the car I love. Thanks, FiWize!

Lynn R.

As a mom of 4 kids, I drive a ton. I wanted a 2018 Toyota Highlander, but there were no good lease deals that would allow high mileage. So, I tried FiWize. I got my Highlander and I can drive the miles I need AND I got a monthly payment I can actually afford! It was a pretty quick process too!

Betsy P.

I leased a 2014 Chevy Camaro and went over my 12,000­ mile limit. I wanted to keep the car (but not pay the mileage penalty!), so I financed with FiWize. I kept the same monthly payment as my lease and didn’t pay mileage fees.

Mark J.