DrivingSense Auto Loans

Why pay for the whole car?

DrivingSense offers you low monthly payments on new and used vehicles with no money down! Unlike a lease program, you own the vehicle and receive all the benefits that come with ownership, yet have the ability to turn the car in at the end of a predetermined term with no penalty.

Here’s how it works:

  • No down payment
  • Lower monthly payments – Up to 40% less than a conventional auto loan!
  • Several options at the end of your term:
    • Sell it
    • Trade it in
    • Finance the remaining amount and keep the vehicle
    • Turn it in and walk away!

The DrivingSense program is here! To compare rates and see how much you can save on your next DrivingSense auto loan, click the Apply Online Now button below.


(607) 724-5876

Learn more about our Savings Rates

On October 1, 2021, our operating systems will begin to merge. You will not be able to access your Horizons accounts online at the close of business Thursday, September 30, 2021 while we complete the system merge. All branches, including the Binghamton Main Street Branch, will be closed Friday, October 1, 2021 and Saturday, October 2, 2021. Beginning Monday, October 4, 2021 you will be able to register to access your account online and/or at any current branch location, as well as the Johnson City branch located at 760 Harry L Drive in Johnson City. Once registered, you can enjoy all the online benefits of Empower Federal Credit Union membership.