Auto Advantage Program

More approvals, less hassle — that’s Auto Advantage. Get approved for an Auto Loan regardless of past financial struggles or credit history.1 Auto Advantage makes buying or refinancing a car simple with fewer hoops to jump through.

Auto Advantage features you'll use:

  • Get approved with a credit score as low as 600
  • Qualify with a higher debt-to-income ratio
  • Loans available from $5,000 to $60,000
  • Flexible financing options

Auto Advantage benefits you'll love:

  • Avoid “buy here, pay here” lots that can have higher rates
  • Eliminate or reduce down payment requirements
  • Refinance and lower your monthly payment
  • Buy from a dealership or private party
  • Available on vehicles up to 11 years old with up to 150,000 miles

Estimate your monthly vehicle loan payments.

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.

Find peace of mind with Loan Protection Options.

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Still have questions about the Auto Advantage Program?

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  1. Rates are determined based on credit score, history, and vehicle information. No additional Advantage Plus discounts may be applied to Auto Advantage loans. All promotional offers and rates are subject to change at any time. Other restrictions may apply. Not all members will be approved. Please consult with an Advia lending representative for more information regarding our Auto Advantage program.