Up to 40% lower monthly payments.
Low monthly payments. Minus the usual drawbacks. Don’t give up the car you love. Enjoy freedom, value, and savings with Atlantic’s Better Than a Lease Program.
- Great rates for a variety of expenses
- Peace of mind with payment protection
- Quick, local decision-making
- Custom terms that fit your budget
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Forget financial stress. We love to say, “Yes!”
We’re here to help you do better. That’s why our lenders tailor terms to match your lifestyle. And because we’re local, you’ll receive a decision really fast.
A smarter kind
of screen time.
- Turn your debit card on or off.
- Track your transaction history.
- Make loan payments in seconds.
- See up-to-date account balances.
- Transfer funds between accounts.
Got a question?
Find answers to frequently asked questions about Better Than a Lease.
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How is this different from leasing a car?
Leasing a car means you can drive a car for a set period. When your lease is up, you have to return the car or renew the lease.
With Better Than a Lease, you enjoy lower monthly payments and can choose to return your car or continue with a new loan. Either way, you own your car the whole time.
What should I know before buying a car?
There’s more to car shopping than test drives. Make sure the dealer doesn’t take you for a ride. Learn the 7 Mistakes to Avoid When Buying a Car.
What terms are available with Better Than a Lease?
Better Than a Lease offers shorter terms with affordable payments. You can purchase new and used vehicles up to 5 years old. View our rates and terms.
Do I need a down payment?
Not necessarily! No or low down payment plans are available. Even the taxes and registration fees can be included in the payment plan.
What mileage plans are available?
Atlantic offers mileage plans for different driving habits, including 7,500, 10,000, 12,000, 15,000, and 18,000 miles/year. Plans may vary.
How do I apply for Better Than a Lease?
You can apply for Better Than a Lease online! You’ll need your photo ID and social security number to start.
If you’d like to apply in person, you can visit your local Atlantic branch.
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How would you like to apply for your loan?
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Better than a Lease
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 4.99% | $29.97 |
| 48 Months | As low as 5.24% | $23.15 |
| 60 Months | As low as 5.24% | $18.99 |
| 72 Months | As low as 5.99% | $16.57 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25%, a maximum term of 72 months and a $835 Program fee. The vehicle must be a 5 model years old or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 4.99% APR equals $29.97. Minimum loan amounts apply. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Business Certificates
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999 (Savings) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.47% | 2.50% |
| $250,000 - $499,999 | 3.93% | 4.00% |
| $500,000 - $749,999 | 3.93% | 4.00% |
| $750,000 - $999,999 | 3.93% | 4.00% |
| $1,000,000 + | 3.93% | 4.00% |
Business Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999 (Savings) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.47% | 2.50% |
| $250,000 - $499,999 | 3.93% | 4.00% |
| $500,000 - $749,999 | 3.93% | 4.00% |
| $750,000 - $999,999 | 3.93% | 4.00% |
| $1,000,000 + | 3.93% | 4.00% |
Business Savings
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999 (Savings) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.47% | 2.50% |
| $250,000 - $499,999 | 3.93% | 4.00% |
| $500,000 - $749,999 | 3.93% | 4.00% |
| $750,000 - $999,999 | 3.93% | 4.00% |
| $1,000,000 + | 3.93% | 4.00% |
Credit Builder
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 12 Months | 10.00% | $87.90 |
*APR = Annual Percentage Rate. Rate includes maximum term of 12 months. Loan is subject to approval. Payment per $1,000 borrowed for 12 months at 10.00% APR equals $87.90. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Deposit Accounts
| Account Type | Minimum Required Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Member Savings | $25 | 0.05% | 0.05% |
| Clubs | No Min. Balance | 0.05% | 0.05% |
| Business Savings | $25 | 0.05% | 0.05% |
| Centsables Youth Savings | $25 | 0.05% | 0.05% |
Equipment Loan
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 7.49% | $31.11 |
| 48 Months | As low as 7.74% | $24.30 |
| 60 Months | As low as 7.74% | $20.16 |
| 72 Months | As low as 8.49% | $17.78 |
| 84 Months | As low as 8.99% | $16.09 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The equipment must be a 2022 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 7.49% APR, equals $31.11. Minimum loan amounts apply. Rates subject to change without notice. Membership or eligibility to join Atlantic is required.
Extended terms for Large Recreational Loans
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 120 Months | As low as 8.24% | $12.27 |
| 180 Months | As low as 8.49% | $9.85 |
| 240 Months | As low as 8.74% | $8.84 |
*APR = Annual Percentage Rate. Large Recreational as low as rate includes direct deposit discount of 0.25%, AND 0.50% discount for down payment of 20% of the purchase price or book value, whichever is lower. 100% financing is available at other rates and terms. The vehicle must be a 2022 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 8.24% APR equals $12.27. Minimum loan amounts apply. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Extended terms for Large Recreational Loans
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 120 Months | As low as 8.24%** | $12.27 |
| 180 Months | As low as 8.49%** | $9.85 |
| 240 Months | As low as 8.74%** | $8.84 |
*Large Recreational as low as rate includes direct deposit discount of 0.25%, AND 0.50% discount for down payment of 20% of the purchase price or book value, whichever is lower. 100% financing is available at other rates and terms. The vehicle must be a 2022 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 8.24% APR equals $12.27. Minimum loan amounts apply. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Health Savings Account (HSA)
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $999 | 0.05% | 0.05% |
| $1,000 - $4,999 | 0.25% | 0.25% |
| $5,000+ | 0.30% | 0.30% |
Home Equity Line of Credit
| Product Type | APR* | Payment per $1,000* |
|---|---|---|
| Monthly Principal and Interest | Variable As low as 7.50% | $100 or 1.25% of outstanding balance, whichever is greater |
| Interest Only | Variable As low as 7.50% | $100 or total interest due, whichever is greater |
*APR = Annual Percentage Rate. Your rate will be determined by The Wall Street Prime rate and your credit qualifications. Loan is subject to approval. Minimum line of credit amount is $10,000. Payment will be defined as $100 or 1.25% of the outstanding balance at most recent disbursement, whichever is greater for Home Equity LOC with Principal and Interest payments OR Payment will be defined as $100 or any outstanding interest due, whichever is greater for Home Equity LOC Interest Only. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Home Equity Loan
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 60 Months | As low as 6.49% | $19.57 |
| 120 Months | As low as 6.99% | $11.62 |
| 180 Months | As low as 7.49% | $9.27 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications and aggregate loan balances secured by the property in relation to the property’s value as determined by a third party appraiser. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 60 months at 6.99% APR equals $19.81. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Home Improvement
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 12 Months | As low as 9.75% | $87.82 |
| 36 Months | As low as 11.75% | $33.11 |
| 60 Months | As low as 12.75% | $22.64 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. Verification of home ownership required. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 9.75% APR equals $32.29. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Individual Retirement Accounts (IRAs)
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $4,999 | 0.05% | 0.05% |
| $5,000 - $9,999 | 0.25% | 0.25% |
| $10,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $99,999 | 0.40% | 0.40% |
| $100,000+ | 0.50% | 0.50% |
Kasasa Cash*
| Standard Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $0 | 2.96% | 3.00% |
| $15,000+ | $0 | 0.25% | 3.00% to 0.61% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
| Premier Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $0 | 4.89% | 5.00% |
| $15,000+ | $0 | 0.25% | 5.00% to 0.87% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- At least 12 debit card purchases to earn the standard 3% APY rate, OR at least 30 debit card purchases to earn the premium 5% APY rate
- At least 1 ACH direct deposit, ACH automatic withdrawal, or Bill Pay payment
- Be enrolled in and agree to receive eStatements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month. No minimum balance requirement
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $0 - $1,000,000 | 3.20% | 3.25% |
| $1,000,000 + | 0.25% | 3.25% to 2.98% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify. No minimum balance requirements.
Land Loans
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.49% | $9.85 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.49% APR equals $9.85. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Home on Land (Double Wide)
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 240 Months | As low as 7.75% | $8.22 |
| 360 Months | As low as 8.25% | $7.52 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 7.75% APR equals $8.22. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Home on Land (Single Wide)
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.00% | $9.57 |
| 240 Months | As low as 8.50% | $8.69 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.00% APR equals $9.57. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Homes In a Park
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.50% | $9.86 |
| 240 Months | As low as 8.75% | $8.85 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.50% APR equals $9.86. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Money Market
| Balance | Dividend Rate | APY3 |
|---|---|---|
| $1,000 - $4,999 (Savings1) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking2) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.23% | 2.25% |
| $250,000 - $499,999 | 2.96% | 3.00% |
| $500,000 - $749,999 | 3.06% | 3.10% |
| $750,000 - $999,999 | 3.21% | 3.25% |
| $1,000,000 + | 3.35% | 3.40% |
1If balance falls below $1,000, the account will not earn dividends.
2If balance falls below $2,500, the account will not earn dividends.
3APY = Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Rates effective as of 5/1/25.
New/Used Automobiles
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 4.99% | $29.97 |
| 48 Months | As low as 5.24% | $23.15 |
| 60 Months | As low as 5.24% | $18.99 |
| 72 Months | As low as 5.99% | $16.57 |
| 84 Months | As low as 6.49% | $14.85 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 60 months. The vehicle must be a 2022 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 4.99% APR equals $29.27. Minimum loan amounts apply. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Personal Line of Credit
| APR* | Payment per $1,000* |
|---|---|
| As low as 13.75% | $50 or 3.5% of outstanding balance |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25%. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment of $50 or 3.5% of the outstanding balance. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Personal Loan
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 12 Months | As low as 10.75% | $88.65 |
| 36 Months | As low as 12.75% | $33.75 |
| 60 Months | As low as 13.75% | $23.27 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 12 months. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 10.75% APR, equals $32.63. Minimum loan amounts apply. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Premium Business Checking
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $99,999.99 | 0.30% | 0.30% |
| $100,000 and over | 0.50% | 0.50% |
Recreational Vehicles & Motorcycles
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 5.99% | $30.42 |
| 48 Months | As low as 6.24% | $23.60 |
| 60 Months | As low as 6.24% | $19.45 |
| 72 Months | As low as 6.99% | $17.05 |
| 84 Months | As low as 7.99% | $15.59 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational vehicle must be a 2022 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 5.99% APR, equals $30.42. Minimum loan amounts apply. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Share Certificates
| Type | Minimum Required Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 3 Mo. Share Certificate | $100 | 1.74% | 1.75% |
| 6 Mo. Share or IRA Certificate | $500 | 3.20% | 3.25% |
| 1 Year Share or IRA Certificate | $500 | 3.25% | 3.30% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 3.15% | 3.20% |
| 2 Yrs. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 30 Mo. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 3 Yrs. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 4 Yrs. Share or IRA Certificate | $500 | 3.01% | 3.05% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 3.06% | 3.10% |
Use our Share Certificate Calculator to determine your potential earnings.
*APY = Annual Percentage Yield. All rates are subject to change. Early withdrawals are subject to penalty. Penalties may vary depending on the rate of certificate and time of withdrawal. Rates effective as of 5/1/25.
Share Secured
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 3.05% | $29.15 |
| 48 Months | As low as 3.05% | $22.18 |
| 60 Months | As low as 3.05% | $18.02 |
*APR = Annual Percentage Rate. As low as rate includes maximum term of 36 months. Rate calculated at 3% above the rate of return on securing funds. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 3.05% APR equals $29.15. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Visa Credit Cards
| Card | Introductory Rate | APR |
|---|---|---|
| Visa Platinum | 2.49% APR3 for 12 Billing Cycles | Non-Variable As low as 11.49% |
| Visa Signature® | 2.49% APR2 for 12 Billing Cycles | Variable As low as 15.50% |
| Visa Secured | None | Non-Variable As low as 17.99%4 |
2APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available. APR and term are based on your credit rating and ability to repay. Rate based on prime plus a margin.
3APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available. APR and term are based on your credit rating and ability to pay.
4APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available.