Debt Consolidation Options

Find the best refinance option to fit your lifestyle.

Lower your interest and combine your payments on:

Credit Cards & Store Cards Personal Loans Auto Loans Boat Loans Recreational Vehicle Loans Personal Lines of Credit
Your Transfer Options Schedule an Appointment Apply Online

Start Saving by Transferring Your Current Loan(s)

Not sure which is best option for you? Let our Loan Experts help!
Auto Loans

Auto
Loans

ZERO payments for 90 days2 ZERO transfer fee Competitive interest rates Flexible payment options
Learn More Apply
Signature Loans

Signature
Loans

ZERO transfer fee Checking reward discount up to
0.75% APR2
Fixed payment Easy online
application
Learn More Apply
Home Equity Line of Credit

Home Equity
Line of Credit

ZERO closing costs3 Interest paid may be tax deductible4 No pre-payment penalties 10-year draw
period
Learn More Apply
Visa Platinum Credit Cards

Visa® Platinum
Credit Cards

ZERO balance transfer fee As low as 8.90% APR5 1% back on every purchase6 3 types of
card security
Learn More Apply
Not a member? It's easy, become one today!

Schedule an Appointment!

Make an appointment to speak or sit down with a Loan Specialist.

They'll help transfer your current loans, show how you can save on interest, and answer any questions you may have!

Fill out my online form.

1 Estimated 2018 member savings. 2 Promotional Annual Percentage Rate of 2.99% is for Auto Loans (new Advia loans and loans transferred from outside institutions). 3 Interest begins to accrue at the time of disbursement. 4 New Advia loans and loans transferred from outside institutions. 5 APR may vary based on credit score and combined loan-to-value ratios. Advia's Interest only HELOC is a variable rate product tied to Prime Rate for both the draw and repayment periods; based on creditworthiness of borrower(s) at time of application and loan-to-value of secured real estate. APR may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal (includes a lifetime interest rate cap of 8% over initial loan rate). 6 No out-of-pocket costs at closing when home’s loan-to-value ratio is at or below 60% or when no appraisal necessary. Some products and services may vary based on geographical region. 7 Consult a tax advisor regarding tax deductibility; subject to change at any time. 8 Fixed Card APR will be 8.90% to 16.90%. Variable Card APR will be 8.25% to 18.00%. Variable APR will vary with the market based on Prime Rate; variable APR may vary quarterly. The index is the highest Prime Rate charged by banks published in the Wall Street Journal as of the last business day of each quarter; beginning 1/1, 4/1, 7/1 & 10/1. The APR is equal to as low as Prime index + 7.00%. An increase in index will increase the APR. 9 Promotional APR on balance transfers made during the first 18 billing cycles after date of transfer during promotional period 2/1/2020 - 9/30/2020. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Following the promotional balance transfer period of 18 months, the Credit Card cash fixed APR of 8.90%-16.90% or Credit Card cash variable APR of 8.25%-18.00% will apply beginning the first day of new billing cycle. Failure to make the minimum periodic payment within 60 days from the due date during any card promotion, the non-promotional APR in effect on that account will be applied to the remaining promotional balance. If account is delinquent or over-limit at time of transfer, the promotional rate will not apply. Loans held with Advia are ineligible for this promotion. Offer and rates effective 2/1/2020 and subject to change at any time. 10 Up to 3% back on up to $1,500 each in select categories on qualifying purchases made on/between 10/1/19 - 9/30/20. 3% back on qualifying dining transactions; must have required merchant code signifying the transaction for purchases for dining transactions (merchant codes 5812 and 5814). 2% back on qualifying gas transactions; must have required merchant code signifying the transaction for purchases for gas transactions (merchant codes 5541 and 5542). Purchases that exceed $1,500 in each category will earn the standard 1% back. Rewards expire three (3) years from the time they are earned. Allow up to two (2) billing cycles for bonus rewards to post to account. Balance Transfers and cash advances do not earn rewards. Restrictions may apply. Visa Cardholder Agreement and full reward information can be viewed at adviacu.org. 11 $200 statement credit not valid on Business Visa, card reissues, or multiple cardholders. Must meet all qualifications in initial two (2) statement cycles following date of card issuance to receive credit of $200: 1) a minimum of 20 purchases and 2) aggregate purchases of at least $2,000; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Credit will be applied to member’s card account within 45 days of meeting stated qualifications. Offer valid between 10/1/19 and 9/30/20 and subject to change at any time. Must be 18 or older to apply. All offers and rates effective April 1, 2020 and subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval. Advia is an Equal Opportunity Lender. NMLS #401863.