What APR can I expect for a new auto loan?

New auto loans (2019 & newer) rates start as low as ~5.75% APR, subject to creditworthiness and location. :contentReference[oaicite:1]{index=1}

Do used auto loans have higher rates?

Yes — used auto loans have varying rates depending on age of the vehicle: newer used models have lower APRs than older ones. :contentReference[oaicite:2]{index=2}

What factors affect my vehicle loan rate?

Rates depend on your credit score, vehicle type (auto vs RV), model year, loan term, and ZIP-code region. :contentReference[oaicite:3]{index=3}

Advia Vehicle Loan Rates

Get ready to drive — Advia offers competitive vehicle loan rates plus flexible terms so you can finance new or used vehicles with confidence. Whether you’re buying, refinancing, or trading up, see below for our current APRs.

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View your current Vehicle Loan rates.

Enter your zip code to see specific rates by region.

Loan Type	APR* (as low as)
Autos – New (2019 & Newer)	5.75%
Autos – Used (Model Year 2017 to 2018)	6.50%
Autos – Used (Model Year 2009 to 2016)	8.50%
Recreational – New (2023 to Current Year)	8.99%
Recreational – Used (Model Year 2018 to 2022)	11.29%
Recreational – Used (Model Year 2017 and older)	16.19%

Effective Date:

What affects your Vehicle Loan rate?

Credit History

Higher credit scores typically qualify for the “as low as” APR.

Vehicle Age

Newer vehicles usually cost less to finance (better APRs), while used or older cars might carry higher risk.

Loan Length

Longer terms often have slightly higher APRs. Shorter term = lower interest paid over time.

Down Payment

Putting more down can reduce your APR; financing a higher percentage of the vehicle price increases risk.

Estimate the monthly payment on your low-rate Vehicle Loan.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

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*Annual Percentage Rate – subject to market rate adjustments (see online rate sheet for details and search by zip code). Cannot be combined with any other discounts. All rates and offers 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. The Advantage Plus Personal Loan rate reduction will not apply beyond floor rate. All loans subject to approval.