Explore refinance options to save you more money.

Whether you're looking to lower your interest rates or reduce monthly payments, members who refinance loans with Advia save an average of nearly $4,000 over the life of their loans.1 That's more money for the things that matter most.

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Save money by reducing your monthly payments.

Transfer your credit card balances or other outside loans to an Advia Visa® Platinum Credit Card and enjoy benefits like:

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Find your best option to cut monthly payments and keep more money where it belongs: in your pocket.

Members have saved thousands of dollars over the life of their transferred credit card debt, refinanced auto, and other personal loans. Refinance to a lower interest rate or consolidate debt into one easily managed monthly payment with these great options below.

Auto Loans

  • No payments for 90 days3
  • No transfer fee
  • Flexible payment options

Home Equity line of Credit

  • 10-year interest-only payments
  • Low introductory rate
  • 24-hour access

Signature Loans

  • No payments for 90 days3
  • No transfer fee
  • Fixed payment

Not a member? Join today and see how you can save more!

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  1. Estimated member savings in 2024 were $3,937 in average interest saved per transferred loan.
  2. Visa® Platinum Advantage Points Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Platinum Advantage Points Credit Card for the first 6 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 6 billing cycles from date of first balance transfer. The non-promotional APR, as low as 14.99%, will apply beginning the first day of the new billing cycle after the 6-month intro period. Visa® Platinum Variable Rate Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Variable Rate Credit Card for the first 12 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 12 billing cycles from date of first balance transfer. The non-promotional APR, as low as 12.99%, will apply beginning the first day of the new billing cycle after the 12-month intro period. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Late payments or other account violations may result in the loss of the intro APR. If account is delinquent or over-limit at time of transfer, the intro rate will not apply. Promotional offer does not extend to Business Visa Platinum Credit Card. Loans held with Advia are ineligible for this promotion. Must be 18 or older. Rates as of 6/2/2025. Offer and rates are 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.
  3. Interest begins to accrue at the time of disbursement. Applies to Auto, RV, and Signature Loans only.

Must be 18 or older to apply. All offers and rates effective 6/2/25 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 credit approval.