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Auto Loans as low as 2.59% promo 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
New! AutoSMART shopping tool Zero payments for 90 days2 Earn $150 for getting a pre-approval certificate on your loan3 Flexible payment terms Competitive interest rates No application fee Coverage options include Mechanical Breakdown Protection, Payment Protection, and Guaranteed Asset Protection

NEW! 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 modelis best for you, then calculate the price and get pre-approved for yournew vehicle. Find and get pre-approved for your dream vehicle allin one spot, in your favorite spot.

Current Auto Loan rates.

Rates effective as of September 26, 2020.

New Autos
2018 - Current Model Year

36 Months as Low as
2.59% Promo APR1
48 Months as Low as
2.59% Promo APR1
63 Months as Low as
2.59% Promo APR1
75 Months as Low as
3.19% APR4
84 Months as Low as
3.99% APR4

Used Autos
2013 - 2017

36 Months as Low as
3.59% APR4
48 Months as Low as
3.59% APR4
63 Months as Low as
3.59% APR4
75 Months as Low as
3.59% APR4
84 Months as Low as
4.49% APR4

Older Autos
2005 - 2012

36 Months as Low as
5.65% APR4
48 Months as Low as
6.49% APR4
63 Months as Low as
6.64% APR4
75 Months
N/A
84 Months
N/A

For a limited time, earn $150 for a new Advia Auto or Recreational Loan.2

Simply get a pre-approval certificate before heading to the dealership, then purchase a new or used vehicle for at least $15,000. After making three consecutive payments on your new Advia loan, we’ll deposit $150 into your Savings Account!2 Get pre-approved quickly over the phone, online, or at your local branch.

Considering 0% APR** financing? Take a look below to find out how you might save more by taking advantage of a manufacturer rebate and choosing Advia for your low-rate financing.

Manufacturer Rebate & Advia Financing*

Example: $5,000
Manufacturer Rebate
$5,000
Vehicle Price
$40,000
Amount Financed (purchase price less rebate)
$35,000
Interest Rate for Member
with 775 Credit Score
2.59% APR**
Term
63 Months
Monthly Payment
$594.78
Total Interest
$2,471
Total Amount Paid
$37,471

Manufacturer Rebate & Financing Elsewhere*

Example: $5,000
Manufacturer Rebate
$5,000
Vehicle Price
$40,000
Amount Financed (purchase price less rebate)
$35,000
Interest Rate for Member
with 775 Credit Score
4.78% APR**
Term
63 Months
Monthly Payment
$629.28
Total Interest
$4,644
Total Amount Paid
$39,644

Manufacturer 0% APR Financing & No Rebate*

Example: Manufacturer 0% APR
Financing Offer
N/A
Vehicle Price
$40,000
Amount Financed (purchase price less rebate)
$40,000
Interest Rate for Member
with 775 Credit Score
0% APR**
Term
63 Months
Monthly Payment
$634.92
Total Interest
$0
Total Amount Paid
$40,000

*Rates and payment terms shown for illustrative purposes only for member with 775 Credit Score. **Actual rates and terms may vary based on creditworthiness of borrower and term of loan; effective August 3, 2020 and subject to change at any time. Floor rates and restrictions apply. All loans subject to approval. Advia is an Equal Opportunity Lender. Example 2.59% Annual Percentage Rate (APR) = Advia CU Rate for credit score of 775. Example 4.78% APR = Average new auto loan rate as of July 2020 for credit score of 775 (750 or higher); Source: https://cars.usnews.com/cars-trucks/average-auto-loan-interest-rates#Average-Auto-Loan-Rates-for-Good-Credit.

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.5

Get the most out of your Recreational Loan.

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

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 $475.6 On average, GAP can cost you as low as $0.18 a day.

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.