Turn Your Vehicle Payment Into A Financial Asset.
Most vehicles lose value the moment you drive them. Auto Loan Asset Builder™ helps your vehicle payment build value by connecting your auto loan to ReCapture Financial’s MiddleBanking™ process.
Trust ReCapture Financial to manage and pay your household bills through our MiddleBanking™ process. Stay active, remain in good standing, choose your benefit path, and let your vehicle payment start building value.
Your auto loan does not have to be just another monthly expense.
Auto Loan Asset Builder™ is a ReCapture Financial benefit plan designed for members who want their vehicle payment to create a value path while they continue paying the note they already have.
This is not payment protection. It does not pay your note because you cannot. It rewards you because you can — and because you continue running your household bills through ReCapture Financial.
You are not buying insurance. You are activating a ReCapture benefit plan that is built by your active, good-standing participation.
Choose your Auto Loan Asset Builder™ path.
Every member chooses how they want value to come back from their vehicle payment.
Instant Payment ReCovery™
Your monthly recovery grows until it reaches your full vehicle payment.
Built for members who want monthly payment value coming back.
Trade-In Assistance
Receive $4,800 at 18 months or $10,000 at 30 months toward another qualifying vehicle.
Built for members who plan to upgrade or trade again.
Total Return of Payments™
Continue participating and position yourself for a larger return path after your vehicle is paid off.
Built for members who want the long-game benefit.
Drive With Confidence. Participate With Purpose.
The dealership helps you get the vehicle. ReCapture Financial helps your household stay connected through MiddleBanking™. Auto Loan Asset Builder™ gives your vehicle payment a value-building path after the sale.
Estimate Your Instant Payment ReCovery™.
Enter your monthly vehicle payment and the months remaining on your loan. The calculator shows how Instant Payment ReCovery™ can grow from $100 in month 1 to your full vehicle payment by month 18, then continue through the remainder of your loan term.
Your IPR estimate will appear here.
Enter your monthly vehicle payment and remaining loan months to estimate your Instant Payment ReCovery™ path.
This calculator is for illustration only. It assumes Instant Payment ReCovery™ starts at $100 in month 1, grows monthly until it reaches the full vehicle payment by month 18, and then remains at the full payment amount through the months remaining entered. Actual plan access requires approval, activation, the $50 monthly ALAB™ plan fee, active participation, and ongoing good standing.
Auto Loan Asset Builder™ is powered by your ReCapture participation.
MiddleBanking™ means ReCapture Financial sits in the middle between your income and your monthly household expenses as your trusted bill-pay relationship.
You fund your approved weekly deposit. ReCapture manages and pays your verified household bills according to the approved plan.
Auto Loan Asset Builder™ rewards members who keep their household connected, active, and current.
Same vehicle payment. New asset-building path.
Auto Loan Asset Builder™ FAQ
Clear answers for members considering the ReCapture Financial auto benefit plan.
Is this insurance?
Does the plan pay my car note if I cannot pay?
Who provides these benefits?
What is the monthly plan fee?
What do I need to do?
Ready to turn your vehicle payment into a financial asset?
Choose your Auto Loan Asset Builder™ path. Stay active with ReCapture Financial. Keep your household bills running through MiddleBanking™. Let the vehicle payment you already make start building value.
Auto Loan Asset Builder™ is not insurance, credit life, GAP coverage, debt cancellation, loan forgiveness, a warranty, lender protection, or an automatic rebate. Program access requires approval, onboarding, a $50 monthly plan fee, active participation, ongoing good standing, and compliance with ReCapture Financial program rules.