Start your next vehicle search with AutoSMART.
Auto Loans as low as 1.99% APR.1
When you buy a new vehicle or refinance your current auto loan, Advia can help you save big with an epically low interest rate. See Reviews | Write a ReviewAutoSMART
Smarter Car ShoppingCustomize a vehicle or search the inventory of Advia’s numerous Dealer Partners
all in one place. With AutoSMART, you can also research which make and model is best for you, then calculate the price and get pre-approved for your new vehicle. Find and get pre-approved for your dream vehicle all in one spot, in your favorite spot.Current Auto Loan rates.
Rates effective as of April 11, 2021.
New Autos
2018 - Current Model Year
36 Months as Low as
1.99% APR1 |
48 Months as Low as
2.19% APR1 |
63 Months as Low as
2.19% APR1 |
75 Months as Low as
2.44% APR1 |
84 Months as Low as
3.29% APR1 |
Used Autos
2014 - 2017
36 Months as Low as
2.74% APR1 |
48 Months as Low as
2.74% APR1 |
63 Months as Low as
2.74% APR1 |
75 Months as Low as
2.74% APR1 |
84 Months as Low as
3.59% APR1 |
Older Autos
2006 - 2013
36 Months as Low as
5.25% APR1 |
48 Months as Low as
6.09% APR1 |
63 Months as Low as
6.24% APR1 |
75 Months
N/A |
84 Months
N/A |
Advia's Dealer Partner Program
Find a dealership near you that's partnered with Advia Credit Union. Make purchasing your vehicle at the dealership even easier. Get pre-approved for an Advia Auto Loan before you start shopping, take your pre-approval certificate with you when you pick out your new vehicle, and close on your Advia Loan right at the dealership.Locator loading...
Save up to 1% APR with Advantage Plus Rewards.3
Members who qualify for Advantage Plus Rewards status and open a new Personal Loan, will receive a discount up to 1% APR for the life of the loan.3 Qualifying for Advantage Plus Rewards is easy, and Members can earn:3%
APY on
Checking4
Up to $10 Advantage Bucks Monthly5
Up to 1%
APR Loan Rate
Discount3
0.25% APY
CD Rate
Premium6
Mechanical Breakdown Protection protects your wallet from costly vehicle repairs down the road.
Breakdowns happen, we get it. New and used vehicles alike can sometimes require maintenance for repairs not related to an accident. That’s where Mechanical Breakdown Protection, powered by Route 66, can help you by covering most repair costs which may not be covered by an extended warranty.7With Guaranteed Asset Protection you can be prepared, and be protected.
Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your loan. Adding GAP may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.At Advia we make being protected affordable. Right now, GAP is as low as $475.8 On average, GAP can cost you as low as $0.18 a day. Members who qualify for Advantage Plus Rewards will receive a $25 discount.9