Refinance options made for breathing room.
Some months, the numbers just don't leave much room. Refinancing with Advia can lower your monthly payments on your car loan, home equity line, or personal loan, so more of your money goes toward the life you're actually living. Let's find the option that fits.
Visa® Credit Card made for paying it off, not carrying it over.
High-interest balances have a way of sticking around. Move them to an Advia Visa® Platinum Advantage Points or Variable Rate Credit Card and put your payments to work on the balance instead of the interest.
- A 0% intro APR on balance transfers and purchases for up to 12 billing cycles, depending on card type²
- One simpler payment to focus your payoff
Auto loans made for the road ahead.
Your car payment shouldn't be the thing that holds back the rest of your month. Refinance your car loan with Advia and drive toward a lower monthly payment.
- Enjoy up to 90 days³ before your first payment is due
- No transfer fees
- Flexible terms you can shape around your life
Home equity made for what's next.
The house is already yours. The equity inside it can help with what comes next. Use an Advia HELOC to consolidate debt, fund a renovation, or build a safety net, with flexible access to funds when you need them.
- Interest-only payments during the 10-year draw period to keep early payments manageable
- A competitive variable rate tied to the Prime Rate
- Access to your funds when you need them
Personal loans made for a fresh start.
Juggling a few high-interest balances? An Advia Signature Loan rolls them into one simpler, fixed payment, so you can stop juggling and start planning.
- Enjoy up to 90 days³ before your payments start
- No transfer fees
- Fixed monthly payments you can count on
Mortgages made for the life happening inside them.
Sometimes the dream home is the one you're already in. Refinancing your mortgage with Advia can lower your payment or let you access cash for what's next.
- Lower your monthly payment or shorten your term
- Access your equity to consolidate debt or renovate
- Borrow up to 95% of your home's value, based on eligibility
- A fast, $0 application, with our Mortgage Center team right beside you
Refinancing questions, answered.
There is no fee for this. When you refinance with Advia, your first payment is not due for up to 90 days if elected. Keep in mind that interest does continue to accrue during that time, which slightly increases the total cost of your loan.
Yes. You can transfer an auto loan, personal loan, HELOC, or mortgage from another financial institution to Advia, subject to approval. Many members move higher-rate loans to Advia specifically to save on interest.
The best time to refinance is usually when rates have dropped, your credit score has gone up, or your budget needs more breathing room. There's no penalty for checking: you can estimate your potential savings in minutes.
Refinancing can make sense if your current interest rate is higher than today's rates, your credit has improved since you took out the loan, or your monthly payment feels tight. A quick chat with Advia can help you see whether it's worth it for your situation.
Refinance, transfer, or consolidate? Let's figure it out together.
Not sure which option fits your life right now? That's exactly what we're here for. Whether it's a car loan, a HELOC, or consolidating debt, we'll help you find the path to a payment that works.
- Estimated member savings in 2025 were $4,031 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 variable 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 14.49% to 22.49% 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 variable 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 12.49% to 20.49% 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. Deferred payments increase the total cost of the loan and may extend the loan term. Offer not available on lease or Auto Advantage loans.
Must be 18 or older to apply. All offers and rates effective 10/01/2026 and subject to change at any time. APR = Annual Percentage Rate. 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.