Equity & Financial Solutions

Save Money on your Automotive Loan

Benefits of our Biweekly payments program “Intellipay”:

Get “right side up” in your automobile
Build Equity in your vehicle faster
Improve your credit rating
Pay off your Auto loan faster
Make your budgeting Simpler
Match your paycheck to your payments

Example of Benefits

This illustrates how Intellepay helps you save finance charges, build equity faster and reduce the time it takes to pay off your automobile loan.

Example	Traditional Financing	Intellipay SM
Loan Balance	$30,000	$30,000
Payment	$540	$270 Bi-weekly
Term	72 Months	66 Months
Term Reduction	None	6 Months
Effective Interest Rate	9.00%	8.44%
Finance Charges Saved	None	$765
Increased Equity	None	$1847

Have you ever had the frustrating experience of realizing that your vehicles trade in value is much less than what you owe on your auto loan? Many people find that by the time they are ready to trade in their automobile for the excitement and luxury of driving something new, that they owe much more than what the vehicles trade in value is. That is want is referred to as being “upside down” in your vehicle.

At Equity & Financial Services we believe we have the right solution to help you stay “right side up” in your alto loan with “IntelliPlan SM” . This payment program is an automated bi-weekly payment plan that helps you save the equity in your vehicle, while reducing the amount of finance that you charges that you will pay your auto lender. Saving you money and building equity all in one simple convenient process.

The logic behind this surprising benefit for you really isn’t that complicated. There are 26 bi-weekly periods in a year, which means that over a year you will make the equivalent of one extra payment. It may no seem like much, but because every extra cent goes to reduce your principal, the total amount you’ll pay …. and the length of time that you’ll pay it ……. goes way down. The bookkeeping makes good sense.

Equity and Financial Solutions is a well established provider of biweekly payments products. We offer customers this program across all areas, RV’s, Home Loans, and Student Loans (make these link to the other pages if necessary) – if you think your savings are strong on the Automobile loans, put your current Home Loan and realize how much you can save!

Frequently Asked Questions:

Q: Should everyone switch to IntelliPlan SM?

A: Only if it makes sense to your particular circumstance, this is because IntelliPlan SM transfers are made every two weeks rather than once a month, this plan may not work for everyone. But if your salary is paid weekly or bi-weekly …… if yours is a two household income…. Or if bi-weekly payments are otherwise within your means, all the advantages of Intelliplna SM can be yours.

Q: Can I pay bi-weekly without IntelliPlan SM?

A: Sorry, no. IntelliPlan SM special system is the only way bi-weekly transactions can be accommodated. Of course, you may achieve similar results on your own by submitting more than your regular payments each month to reduce your principle faster and save finance charges. However many customer prefer the automatic ease of IntelliPlan makes possible

Q: Can my designated account be at any bank?

A: Yes. With very few exceptions, most banks, credit unions and savings institutions checking or savings will do fine.

Q: I usually trade my vehicle in about every 3 ½ years. Will I still realize the savings and equity building benefits of IntelliPlan?

A: Absolutely. As the illustration reflects on the middle page of the pamphlet, you can save hundreds of dollars in finance charges and have considerably more equity in your vehicle than you otherwise would if you were to pay your autoloan the traditional way.

Q: Can the amount of my bi-weekly amount change?

A: Certainly. If your payment goes down, or if there is a delay starting, savings will go down. If your payment goes up due to an extra amount applied to principle payments, your savings will go up.

Q: How can I take advantage of the interest savings benefits and Equity Building Benefits IntelliPlan SM offers?

A: Simply contact your dealership finance professional or call your IntelliPlan SM professional toll free at 1-800-616-4702, or and send us an email.