Auto Financial Group, an online provider of financing products for credit unions, joined in partnership with Credit Union Lending Systems to offer Auto Financial Group's DrivingSense product to credit unions. Auto Financial Group, based in Houston, developed DrivingSense to provide an auto financing product that offers the lease-like benefits of a balloon loan to credit unions and their members. The product allows credit unions to compare payment terms with conventional loans, offer members lower payments with flexible two- to six-year terms, and offer actual ownership of the vehicle with several end-of-term options. Credit Union Lending Systems offers services exclusively to credit union members to provide financing right at the dealership. "We have simply never seen a better time for DrivingSense," said Richard Epley, Auto Financial Group president. "It is a product that provides credit union members with lower payments and credit unions with higher yielding loans, a combination of features that are simply unmatched in the current marketplace." The DrivingSense product guarantees the predetermined residual value of the vehicle through third-party insurance and Auto Financial Group handles the vehicle's disposition at the end of the term. –[email protected]