Product name for a specific automobile loan, which is similar to a car lease Credit Union member negotiates price of automobile from dealership and then pricing schedule is deemed for monthly payments, At the end of the term chosen, the member may either return the automobile to the Credit Union, pay off the balance, or use it as a trade Differs from lease is that member is owner of vehicle, as opposed to leasing company or bank and member is permitted 18,000 miles/yr