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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
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AutoSMART Shopping
Check Current Rates
Earn $150

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.

Get Started

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
Apply Today
Coverage Options

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
Give Us a Call
Apply Today
Make an Appointment

*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
Learn More
Give Us a Call

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.
Learn More
Give Us a Call

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

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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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.

Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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
Have you recommended Advia Credit Union to friends or family in the past? 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

Have you recommended Advia Credit Union to friends or family in the past? Yes

Eric
Review 5
Length of Use: 2 to 5 years

Quick and easy funding of my loan

Have you recommended Advia Credit Union to friends or family in the past? 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

Have you recommended Advia Credit Union to friends or family in the past? Yes

1 Promotional Annual Percentage Rate of 2.59% is for an Auto Loan, new and transferred from outside institutions only, based on creditworthiness of applicant, and type of Auto Loan secured. Longer terms may be subject to higher rates. See adviacu.org for more details. Promo APR subject to change at any time. Cannot be combined with any other discounts. Estimated monthly payment for $10,000 new vehicle loan for 63 months at 2.59% APR is $169.94. 2 Interest begins to accrue at the time of disbursement. 3 Earn $150 deposited into Share Savings for obtaining a funded & disbursed personal term Auto or RV Loan of $15,000 or more with Advia Credit Union within 30 days of obtaining pre-approval certificate; incentive will be paid within 45 days after three (3) monthly consecutive loan payments have been made. 4 Annual Percentage Rate. 5 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. 6 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. Offer and rates effective September 26, 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 approval. Advia is an Equal Opportunity Lender.