Did You Know You Can Have Your Auto Loan Payments Reimbursed?
When You Open an Expense Reimbursement Account, ReCapture Financial organizes your income, pay dates, household expenses, and due dates into one structured weekly bill-pay amount. Since your vehicle payment is part of that organized expense plan, it can be connected to DriveFree™ and reimbursed through monthly Instant Payment Recovery™ checks.
Instead of allowing every vehicle payment to simply leave your household, DriveFree™ creates an organized reimbursement path connected to the bills and expenses you already pay.
$1,000
DriveFree™ can reimburse up to your contracted monthly auto loan payment, with a maximum monthly reimbursement of $1,000.
It begins by opening an Expense Reimbursement Account and completing Financial Justification .
Reimbursement amounts are based on the verified contracted vehicle payment, the DriveFree™ reimbursement schedule, account standing, and current program terms.
How Your Expense Reimbursement Account Works
DriveFree™ turns your verified auto loan payment into a household expense that can be reimbursed through ReCapture Financial.
Your household begins by entering its income, pay dates, monthly expenses, spending needs, and vehicle payment information into ReCapture Financial’s intake worksheet.
ReCapture Financial reviews your household through Financial Justification and creates one structured weekly deposit amount designed to keep approved household expenses funded before they become due.
MiddleBanking™ means ReCapture Financial sits between your household income and your approved expenses as your organized bill-pay relationship.
Once your Expense Reimbursement Account is active and the DriveFree™ benefit has been added, your verified auto loan payment is connected to your DriveFree™ reimbursement schedule.
You continue making your required vehicle payment while ReCapture Financial issues monthly Instant Payment Recovery™ checks that reimburse that expense according to your DriveFree™ schedule, up to $1,000 per month.
Our goal is simple: help you recover money from an expense you are already paying.
Every DriveFree™ Account Begins with Financial Justification.
Financial Justification determines whether your household income and expenses can successfully operate through ReCapture Financial’s MiddleBanking™ process.
Before the DriveFree™ benefit can be added to your Expense Reimbursement Account, ReCapture Financial reviews your household’s complete financial picture.
Financial Justification reviews:
- Your household income
- Your income and pay dates
- Your monthly household bills
- Your contracted auto loan payment
- Your recurring household and lifestyle expenses
- Your weekly spending needs
- Your available household cash flow
The purpose of Financial Justification is not to judge how your household spends money. It allows ReCapture Financial to verify that your income can support your expenses and that your household can consistently fund one structured weekly bill-pay amount.
After the review, ReCapture Financial creates a weekly funding plan designed around your actual income, pay schedule, expenses, and due dates.
Once your household is financially justified and your Expense Reimbursement Account is activated, your verified vehicle payment can be connected to the DriveFree™ benefit.
Financial Justification is what turns the information you provide into an organized MiddleBanking™ plan built specifically for your household.
Your Auto Loan Payment Becomes a Reimbursable Household Expense.
Your vehicle payment no longer has to be an expense that simply leaves your account every month. DriveFree™ connects that payment to a structured reimbursement path.
You continue paying your auto loan.
Your contracted vehicle payment remains your responsibility and stays current through your approved household expense plan.
Your household completes Financial Justification.
Your income, expenses, pay dates, vehicle payment, and household cash flow are reviewed through Financial Justification .
Your vehicle expense is organized through MiddleBanking™.
Your Personal Middle Banker™ helps connect your verified auto loan payment to your household’s structured weekly funding process.
You receive a monthly reimbursement check.
Your monthly Instant Payment Recovery™ check begins at $100 and increases until it equals your contracted monthly vehicle payment by month 18, up to $1,000 per month.
You also build toward your next vehicle.
Your DriveFree™ account builds toward $5,000 in Down Payment Assistance™ at month 30 for your next qualifying vehicle purchase.
Your Auto Loan Reimbursement Grows Every Month.
DriveFree™ provides a clear reimbursement schedule that increases until your monthly check equals your contracted vehicle payment, up to $1,000 per month.
Month 1
Your first $100 Instant Payment Recovery™ check is issued.
Month 6
You have received six monthly reimbursement checks, with each check increasing according to your schedule.
Month 12
Your monthly reimbursement has grown substantially and continues moving toward your contracted vehicle payment.
Month 18
Your monthly reimbursement reaches your contracted monthly vehicle payment, up to the $1,000 monthly maximum.
Month 30
Your DriveFree™ account reaches the $5,000 Down Payment Assistance™ milestone.
Reimburse Today’s Vehicle. Prepare for Tomorrow’s.
DriveFree™ combines monthly auto loan reimbursement with a future down payment milestone.
Instant Payment Recovery™
Your monthly Instant Payment Recovery™ check begins at $100 and increases until it equals your contracted monthly vehicle payment by month 18, up to $1,000 per month. That reimbursement level continues for the remainder of your qualified loan term.
Down Payment Assistance™
Your DriveFree™ account builds toward $5,000 in Down Payment Assistance™ at month 30. The assistance is paid directly toward your next qualifying vehicle purchase.
Add DriveFree™ to Your Expense Reimbursement Account — $250
The one-time $250 DriveFree™ activation fee covers the setup and configuration required to add the DriveFree™ benefit to your Expense Reimbursement Account.
Your DriveFree™ benefit activation includes:
- Household Financial Justification review
- Vehicle payment verification
- Treasury setup
- MiddleBanking™ account configuration
- DriveFree™ benefit configuration
- Personalized dashboard activation
- Bill-pay platform enrollment
- Treasury monitoring
- Secure document storage
- Digital check authorization
- Monthly Instant Payment Recovery™ check processing
The Financial Justification review included with activation is explained in the Financial Justification section .
This is a one-time DriveFree™ benefit activation fee. It is not a monthly fee and is not a fee to join a separate account or financial service.
Estimate Your Auto Loan Reimbursement.
Enter your monthly vehicle payment and remaining loan months to see your first 18 reimbursement checks and your continuing reimbursement after month 18.
Your reimbursement estimate will appear here.
Enter your monthly vehicle payment and remaining loan months to estimate your DriveFree™ reimbursement path.
This calculator is for illustration only. DriveFree™ requires approval, Financial Justification , onboarding, payment of the one-time $250 DriveFree™ benefit activation fee, an active Expense Reimbursement Account, an active MiddleBanking™ relationship, good standing, and compliance with ReCapture Financial program rules. Monthly reimbursement is limited to the contracted vehicle payment or $1,000, whichever is less.
Your Expense Reimbursement Account Begins with MiddleBanking™.
MiddleBanking™ means ReCapture Financial sits between your income and your approved household expenses as your structured bill-pay relationship.
You fund one approved weekly deposit. ReCapture Financial then organizes and pays your verified household bills according to the approved plan.
Your weekly funding plan is created after your household completes Financial Justification .
Your verified auto loan payment becomes part of that organized expense structure and is connected to your DriveFree™ reimbursement schedule.
Every approved household works with a Personal Middle Banker™ who helps guide the account, funding, and reimbursement process.
A Better Relationship with the Auto Loan Payment.
DriveFree™ helps households organize, maintain, and recover money from one of their largest recurring expenses.
Financial Justification
Your household income, pay dates, expenses, auto loan payment, and available cash flow are reviewed before your DriveFree™ schedule begins.
Organized Payment Funding
The vehicle payment is included in a structured household funding process before it becomes due.
Monthly Expense Reimbursement
Approved DriveFree™ accounts receive monthly Instant Payment Recovery™ checks tied to the contracted vehicle payment, up to $1,000 per month.
Personal Middle Banker™ Guidance
Every approved household has a direct relationship with a Personal Middle Banker™.
Future Vehicle Readiness
The $5,000 month-30 milestone helps households prepare for their next qualifying vehicle purchase.
DriveFree™ FAQ
Clear answers about your Expense Reimbursement Account and auto loan reimbursement.
What is a DriveFree™ Expense Reimbursement Account?
How much can DriveFree™ reimburse each month?
Does DriveFree™ reimburse my auto loan payment?
What is Financial Justification?
Is DriveFree™ an auto loan?
Do I still make my vehicle payment?
How does MiddleBanking™ connect to DriveFree™?
What are the main DriveFree™ benefits?
What does the $250 fee cover?
What do I need to do?
Add DriveFree™ to Your Expense Reimbursement Account.
Turn the vehicle payment you already make into an expense ReCapture Financial reimburses through DriveFree™, up to $1,000 per month.
DriveFree™ is not an auto loan, refinance, insurance, credit life, GAP coverage, debt cancellation, loan forgiveness, warranty, lender protection, or automatic rebate. Program access requires approval, Financial Justification , onboarding, payment of the one-time $250 DriveFree™ benefit activation fee, an active Expense Reimbursement Account, an active MiddleBanking™ relationship, ongoing good standing, and compliance with ReCapture Financial program rules. Monthly reimbursement is limited to the verified contracted vehicle payment or $1,000, whichever is less.
Program Disclosure
ReCapture Financial is a financial technology and household bill-pay platform. DriveFree™ is an expense reimbursement benefit powered by ReCapture Financial’s MiddleBanking™ process. Households remain responsible for their vehicle payments, household obligations, account funding, and program compliance.
Monthly reimbursements are issued according to the approved DriveFree™ schedule and continue while the household maintains an active Expense Reimbursement Account, an active DriveFree™ benefit, an active MiddleBanking™ relationship, and remains in good standing. Monthly reimbursement is limited to the verified contracted vehicle payment or $1,000, whichever is less.