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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 Review
Zero payments for 90 days2 Save up to 1.00% APR with Advantage Plus Rewards3 Flexible payment terms Competitive interest rates No application fee Coverage options include Mechanical Breakdown Protection, Debt Protection, and Guaranteed Asset Protection
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Advantage Plus Rewards

AutoSMART

Smarter Car Shopping

Customize 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.

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Current Auto Loan rates.

Rates effective as of January 21, 2022.

New Autos
2017 - Current 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
2.74% APR1

Used Autos
2015 - 2016

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
2007 - 2014

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
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Advantage Plus Rewards
Coverage Options

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.

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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

3%
APY on
Checking4

Advantage Bucks

Up to $10 Advantage Bucks Monthly5

Loan Rate discount

Up to 1%
APR Loan Rate
Discount3

CD Rate Premium

0.25% APY
CD Rate
Premium6

How to Qualify
Learn More
More About Advantage Bucks

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.7
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With 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
Learn More
Give Us a Call
Advantage Plus Rewards

Get the most out of your Auto Loan.

Maximize your experience and take advantage of these additional products and services.

Explore more great financial advantages.

No matter what your financial goals and needs may be, we have a solution that will work perfectly for you.

Advia Member Auto Loan Reviews

Roy
Review 1
Length of Use: 2 years to 5 years

I really like the cu, but when it comes to auto loans, they got me... I just refinanced my Jeep through them and was mislead. I'll be waiting 6 months then I'll be looking to go somewhere else. Be careful if your thinking about financing anything through them...

Would you recommend this product to a friend? No
Would you recomend Advia CU in the future? Yes

SteveB
Kalamazoo Mi
Review 1
Vote 1
Length of Use: 2 years to 5 years

Extremely Happy, Again!
I've worked with my Advia rep on multiple different vehicles over the last few years, cant thank her enough for making the process so easy! Financing can be alittle scary, but she is always quick to respond and extremely helpful. Wouldn't go any were else!

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

Shannan620
Elkhorn, WI
Review 1
Vote 1
Length of Use: 6 months to 2 years

Absolutely Great Customer Service!!!
Samantha Moore is excellent! Sam went well over and beyond for us. Not only is she professional and easy to converse with, she is diligent and thorough. She has saved us 100's if not 1000's of dollars. Sam takes the difficulty and frustration out of extremely stressful decisions. I highly recommend calling Sam to assist you with your loan process and any questions. She truly puts her customers satisfaction first and it shows!! Thanks so much Sam!

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

David
Janesville, WI
Review 1
Vote 1
Length of Use: 2 years to 5 years

Great to work with
We were looking to buy a newer truck. The car dealer said no problem and they would take care of all the paperwork and that they used Advia. We told them that we would check with our guy and get back to them. Called Vincent, manage at the Janesville brach to meet. After meeting with him, we got the check for our truck and saved a lot of money on interest and payments. We have always had great service at this Advia and with Vincent for any and all services.

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

mike66
Plainwell, MI
Review 1
Vote 0
Length of Use: Over 5 years

got the loan i needed plus gap ins. and more
my loan officer was very good to me and I was surprised how efficient and quick she was. I felt extremely relieved to be on my way with everything I hoped for and more. thank you Advia for making my dream a reality.

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

Jeff
Review 1
Vote 1
Length of Use: Over 5 years

Smooth transaction
Always simple and easy. Beth takes care of everything.

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

Andre
West, MI
Review 1
Vote 0
Length of Use: Over 5 years

Excellent service and ease of process.
Purchase a used auto this past month. Process was smooth and easy.

Would you recomend Advia CU in the future? Yes

Geni
MI
Review 1
Vote 0
Length of Use: Over 5 years

Nice ride!
I got my vehicle just over a month ago and finally feel better about driving it! For the past five years or so, we have been going through a lot of vehicles. This one feels like the right fit!

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

Heather
Rockford, IL
Review 1
Vote 0
Length of Use: Over 5 years

Great rates!
I went back thru Advia again due to rates and 90 defer plan

Would you recommend this product to a friend? Yes
Would you recomend Advia CU in the future? Yes

dchamb18
Parchment, MI
Review 1
Vote 0
Length of Use: Over 5 years

Auto Loan Process
Bought a used car on a whim and after receiving the pre approval letter from Advia I decided to go with them. Unfortunately, because the car was a 2007, the letter got me no lower interest rate. I imagine my 5.0% interest rate was probably still lower than my other bank. I called Advia and ended up getting a person located in Parchment, MI. Ana was very helpful, but also made the process confusing at times for both me and the Seller. What seemed like a easy quick transaction in my head was drug out over 3 days.

Looking back now, I realize a lot of the problem was the Seller having a lien on the vehicle and that needing to be paid off prior. Even though I tried contacting Ana while I was on vacation and left a message with my cell number she called the house 2 times. Since, I never received any word from her because she was calling the wrong number I took it upon myself to drive an hour to her office in Parchment, because I was vacationing in Saugatuck at the time. It was a mentally stressful couple days of not knowing where we were in the process. Glad we drove to the office because with the help of Ana and Amanda we were able to get money wired to the Seller's account and the rest all worked out from there.

This is my second time using Advia for an auto loan and I'm sure I will use them again, but I will handle things on my end differently because in the future I would prefer to deal with someone from the Port Huron branch because that is closest. I will never buy a vehicle from someone who has a lien. After a stressful two weeks, I am finally have a title and am actually able to drive the vehicle.

Would you recommend this product to a friend? No
Would you recomend Advia CU in the future? No

bigdave
Port HUron, MI
Review 1
Vote 0
Length of Use: Over 5 years

very good service
brad at advia is a great guy,down to earth will go to bat for you any time,even if your credit is little tarnished ,he pulled for me,and i thank him very much

Would you recomend Advia CU in the future? Yes

Eric
Review 5
Length of Use: 2 to 5 years

Quick and easy funding of my loan

Would you recomend Advia CU in the future? Yes

Mary
Review 4
Length of Use: Over 5 years

Love the quick, easy loan process, would appreciate if longtime loyal customers could do auto refis

Would you recomend Advia CU in the future? Yes

1 Annual Percentage Rate. Estimated monthly payment for $10,000 new vehicle loan for 36 months at 1.99% APR is $286.38. 2 Interest begins to accrue at the time of disbursement. 3 Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate 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. 4 Annual Percentage Yield to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however promotional rate will be paid on first Regular or Assurance Checking share ID only. 5 A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus status. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. 6 Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details. 7 Mechanical Breakdown Protection, powered by Route 66, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. 8 Max term 84 months; max loan-to-value 115%; maximum benefit of $50,000. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. 9 Must have an Advantage Plus Checking status at time of purchase to receive discount. Offer and rates effective January 21, 2022 and subject to change at any time. See adviacu.org/advantageplus for Advantage Plus qualifications. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to approval. Advia is an Equal Opportunity Lender.