Refinance Your Loan

Simply Transfer!

Members who transfer their high-interest loans save an average of $3,400.1 Let our Loan Experts show you how much you could save. We'll look to lower your interest and combine your payments on:
Credit Cards, Store Cards Personal Loans Auto Loans Boat Loans Recreational Vehicle Loans Personal Lines of Credit
Schedule Your Appointment Your Transfer Options

Find the Best Refinance Option to Fit Your Lifestyle

Start saving by transferring your current loan(s) to an option below. Not sure which is best? Let our Loan Experts help you!
Apply 24 Hours a Day Schedule Your Appointment
Auto Loans


$0 transfer fee 90 days free from payments2 Competitive interest rates Flexible payment options
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Signature Loans


$0 transfer fee Checking reward discount up to 0.75% APR2 Fixed payment Easy online application
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Home Equity Line of Credit

Home Equity
Line of Credit

$0 closing costs3 Interest paid may be tax deductible4 No pre-payment penalties 10-year draw period
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Visa Platinum Credit Cards

Visa® Platinum
Credit Cards

$0 balance transfer fee As low as 3.99% intro APR5 1% back on every purchase6 3 types of card security
Learn More

Don't just take our word for it.

Hear directly from our members who took advantage of our great rates and saved!
  • Negri Family Saved $7,000

    The teller was telling us about a loan that we could do where we could consolidate all of our debt and get one low interest rate, and we were like "WOW", that would be awesome! So we tried and it came back that we could do it and we ended up saving $150 a month! Now we only have one low monthly payment instead of multiple payments. The savings enables us to take some of that money and apply it towards a compassion child that's overseas. It helps make sure they go to school, get an education and they're taken care of, just like Advia takes care of us.

    Jeff Negri
  • Kathie J. Saved $4,200

    I was shocked when I was able to save $4,200. I never expected that, it was just great for us. The additional savings was great, because I have wanted to pay my car off. So I had Advia keep my loan payment the same every month and I am going to be able to pay my car off quicker. The loan process was so easy. I was very easily walked through all the steps. Advia did all the work for me.

    Kathie J.

Schedule an Appointment!

Make an appointment to speak or sit down with a Loan Specialist.

They'll help transfer your current loans, show how you can save on interest, and answer any questions you may have!

Fill out my online form.

1 Estimated savings based on 2017 member savings. No additional Member Advantage Program or automatic payment discounts apply. Promotional offer excludes loans currently held with Advia Credit Union, as well as transferred mortgage, home equity, and business loans. All loans subject to approval. Advia Credit Union is an Equal Opportunity Lender. 2 Member Advantage Program Current Discounts: eChecking & Advantage Plus Checking = 0.50%; Advantage Checking = 0.25%; Automatic monthly payment from Advia deposit account = 0.25%. Floor rates apply, and Member Advantage loan discount rewards not applicable to commercial loans, lines of credit, mortgage, home equity or Visa Credit Cards. 3 No out-of-pocket costs at closing when home's loan-to-value is at or below 60% or when no appraisal necessary. Annual percentage rate (APR) may vary based on credit score and combined loan to value ratios. Advia's Interest only HELOC is a variable rate product and APR may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal (includes a lifetime interest rate cap of 8% over initial loan rate). We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Some products and services may vary based on geographical region. Offer and rates subject to change. Subject to credit approval. 4 Consult a tax advisor regarding tax deductibility; subject to change at any time. 5 Introductory Annual Percentage Rate (APR) on purchases and balance transfers made during the first six (6) months from opening/issuance of your card. On the first day of new billing cycle following promotional period of six (6) months for purchases and one (1) year on balance transfers, your standard variable APR and fees will apply. APR will be 10.50% to 18.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Advia applies a penalty on promotional rates for late or missed payments. 6 Earn rewards when you use your Advantage Points card to make purchases; minus returns, credits and adjustments ("Net Purchases"). The following transactions are not considered Net Purchases and will not earn rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, and fraudulent transactions. Earn 1% cash back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle for accounts in good standing. The minimum cash reward redemption in a single transaction is $50.00 and the maximum is $800.00. Rewards expire three years from the time they are earned. Offer subject to change at any time.