Low-Rate Vehicle Loans

Searching for low-rate vehicle loans? Take advantage of our affordable vehicle loans with some of the lowest rates in the Great Lakes region. Enjoy flexible terms and a simple process to help you finance your next car, truck, or RV—whether it's new, used, or a refinance. Get behind the wheel for less with these low-rate options.

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We say "yes" to more Auto Loans — that's Auto Advantage.

We're here to make buying or refinancing a car simple and hassle free. Get approved regardless of past financial struggles.

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Get more for your money with these great low-rate vehicle loan options.

Auto Loans

Our auto loans come with benefits designed to save you money and simplify the process. Here’s what sets us apart:

As low as

5.99% APR1

Recreational Vehicle Loans

Ready take on the great outdoors with a new RV, motorcycle, boat, or ATV? Our Recreational Vehicle Loans offer great benefits including:

90 Days
Payment Free2

Refinance Your Vehicle Loan

Refinancing can lower your monthly payments and save you money over time. The benefits of refinancing include:

As low as

5.99% APR1

Car shopping made simple with AutoSMART.

Find your perfect vehicle with AutoSMART. Search thousands of cars, trucks, and SUVs from local dealers. Once you’ve found the right vehicle, apply for your low-rate auto loan with Advia and drive away with confidence.

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Estimate your monthly vehicle loan payments.

Use our easy loan calculator to estimate your monthly payments for a new or used vehicle. Adjust the loan amount, term, and interest rate to find a plan that works for you.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

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Whether you’re buying a new car, refinancing, or exploring recreational vehicle loans, Advia is here to help.

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  1. Annual Percentage Rate – subject to market rate adjustments (see online rate sheet for details and search by zip code). Estimated monthly payment for $10,000 new vehicle loan for 66 months at 5.99% APR is $178.18. Cannot be combined with any other discounts. All rates and offers 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. The Advantage Plus Personal Loan rate reduction will not apply beyond floor rate. All loans subject to approval.
  2. Interest begins to accrue at the time of disbursement. All loans subject to credit approval.
  3. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate (APR) on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. Eligibility of select discounts on loans may vary based on origin of loan. The current terms of the loan agreement established by a third-party platform must remain in effect for one (1) year. Combined discounts may not go below floor rate.