Slash your payments with smart refinancing at Advia.
Ready to keep more cash in your wallet? Refinance with Advia Credit Union and discover unbeatable options to lower your monthly payments on Auto Loans, Home Equity Lines of Credit, and Personal Loans. Let’s find the perfect plan to boost your savings and simplify your finances.
Visa® Credit Card balance transfers: Pay down debt faster.
Supercharge your debt payoff with our Visa® Platinum Advantage Points or Variable Rate Credit Card!
- As low as 0% intro APR on balance transfers and purchases for up to 12 billing cycles2 (based on card type).
- Maximize savings: Transfer high-interest credit card balances and save on interest.
Auto Loan refinancing: Drive away with savings.
Refinance your car loan today and cruise toward lower monthly payments.
- Skip payments for 90 days:3 Ease into your new loan with no payments for three months.
- Zero transfer fees: Keep every penny you save.
- Flexible payment terms: Customize your plan to fit your life.
Home Equity Line of Credit (HELOC): Unlock your home’s potential.
Tap into your home’s value to consolidate debt, fund home improvements, and much more — all at a rate that works for you.
- 10-year interest-only payments: Keep payments low and manageable.
- Low introductory rate: Start saving from day one.
- 24/7 access to funds: Your money, ready when you need it.
Signature Loans: Simplify and save.
Perfect for consolidating high-interest debt or covering big expenses, our Signature Loans make saving simple.
- Skip payments for 90 days:3 Get a breather before payments begin.
- No transfer fees: Move your debt to Advia without extra costs.
- Fixed monthly payments: Budget with confidence, knowing exactly what you’ll pay.
Refinance, transfer, or consolidate? We’ll help you decide!
Not sure which option is right for you? Our friendly team at Advia is here to guide you every step of the way. Whether you’re refinancing an auto loan, exploring a HELOC, or consolidating debt, we’ll find the best path to lower payments and bigger savings.
- Estimated member savings in 2024 were $3,937 in average interest saved per transferred loan.
- 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 will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 14.74% to 22.74% APR, based on your creditworthiness. 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 will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 12.74% to 20.74% APR, based on your creditworthiness. 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.
- 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 10/1/25 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.