Advia Auto & Car Loan Rates
Looking for competitive auto loan rates? Advia Credit Union offers current car loan rates on new and used vehicles, with flexible terms designed to fit your budget. As a member-owned credit union, we pass savings back to you — which often means lower vehicle loan rates than you'll find at a traditional bank. The rates below are current and apply to new autos, used autos, and other eligible vehicles.
Ready to roll? Apply online in minutes — or calculate your monthly payment first to see what fits your budget.
Current Vehicle Loan Rates
Rates shown are current and reflect our best available Advia member rates. Your rate depends on your credit profile, loan term, and vehicle type.
Auto, RV & Boat Loan Terms & Rates
| Loan Type | APR* (as low as) |
|---|---|
|
|
5.39% |
|
|
6.39% |
|
|
8.39% |
|
|
8.99% |
|
|
11.29% |
|
|
16.19% |
Vehicle Loan Terms & Eligibility
Advia offers auto and car loans with a range of terms for new and used vehicles. Rates vary based on your credit history, vehicle age, loan length, and down payment. Already have a car loan elsewhere? You may be able to refinance with Advia and lower your monthly payment.
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.
Frequently Asked Questions
Advia offers flexible terms on new and used auto loans. Longer terms lower your monthly payment, while shorter terms reduce total interest paid. Use our loan calculator to compare options.
Yes. Advia offers competitive car loan rates on both new and used vehicles, as well as other eligible vehicle types.
Yes. If you have an existing auto loan with another lender, refinancing with Advia may lower your rate and monthly payment. Apply online to see if you qualify.
Advia works with members across a range of credit profiles. A higher credit score typically earns the lowest car loan rates, but all members are encouraged to apply — and you can pre-qualify without affecting your credit score. Plus, through Advia's Auto Advantage program, we're able to approve more Auto Loans, helping members who may not qualify through our traditional lending options get into the vehicle they need.
Advia's auto loan rates are shown in the rate table above and updated regularly. Your actual rate depends on your credit profile, loan term, and whether you're financing a new or used vehicle. Members often qualify for rates lower than traditional banks.
Have questions about our auto, car, boat and RV rates? We're here to help.
*Rates effective as of 11/09/2026. Annual Percentage Rate is subject to market rate adjustments. East Michigan, Wisconsin, and Illinois: Estimated monthly payment for a $10,000 new vehicle loan for 42 months at 5.29% APR is $261.34. West Michigan: Estimated monthly payment for a $10,000 new vehicle loan for 42 months at 5.39% APR is $261.80. Floor rates and restrictions apply. Automatic payment discounts will not reduce the loan rate below the applicable floor rate. All rates and offers are subject to change at any time. Rates and terms may vary based on borrower creditworthiness and loan term. All loans subject to approval. Equal Opportunity Lender.