Got a Car Payment?

See if your household meets the starting requirements to open an Expense Residual Income Account (ERA) and use DriveFree™ toward your current car payment.

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See If You Can Start with DriveFree™

This short review checks whether your household appears to meet the starting requirements to open an ERA and add DriveFree™.

Total Monthly Household & Personal Expenses

DriveFree™ households must have between $3,000 and $20,000 in total monthly household and personal expenses.

Are You the Head of Household?

Your Age

Current Work Status

Vehicle Year

Vehicle Make

Vehicle Model

Current Auto Loan Status

Current Monthly Auto Loan Payment

Auto Loan Payment Coverage™ provides up to $1,000 per month. Payments above $1,000 may leave a remaining out-of-pocket amount.

Number of Payments Remaining

Current Auto Lender

This is only a preliminary review. If you meet the starting requirements, the next step is to open an Expense Residual Income Account (ERA), add your monthly expenses, fund the ERA according to your household schedule, and complete ReCapture Financial's household review.

You Appear to Meet the Starting Requirements.

Your household information appears to meet the starting requirements for DriveFree™ and Auto Loan Payment Coverage™.

Continue to ReCapture Financial to open an Expense Residual Income Account. Add the monthly expenses you already pay, fund the ERA according to your household schedule, and let the ERA organize the household plan ReCapture follows.

Continue to Open My ERA

Traditional Refinancing May Be a Better Fit Right Now.

Based on the information provided, your household does not appear to meet one or more of the starting requirements for Auto Loan Payment Coverage™ at this time.

You can still explore traditional auto refinancing through our participating lending sources.

See Traditional Refinance Options

Important: This preliminary review is not final approval and does not create an Expense Residual Income Account or guarantee DriveFree™ benefits. DriveFree™ requires completion of ReCapture Financial's intake and household review, an active and funded ERA, a verified current vehicle payment, and continued active and current status under applicable program terms. MiddleBanking™ 1.0 is simply the ReCapture platform that powers the ERA. The customer's existing vehicle loan remains the customer's contractual obligation.

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