It's time to hop into the driver's seat of your dream car. Our great auto loan rates will make your dreams become reality.
Honey, We Shrunk Your Car Payment.
Bring us your auto loan and we'll beat your current rate by a full 1.00%. If we can't, we'll hand you a $25 Visa gift card just for asking.
No gimmicks. No guesswork. Just a smaller payment or a gift card for your trouble.*
Apply Now
*Rate must be 5.49% APR or higher to qualify. See terms below.
Shrinking your payment is easier than shrinking the kids.
- Show us what you've got. Grab your current loan contract or a recent monthly statement so we can see your rate and term.
- We run the numbers. We'll compare your current rate to ours on a similar term. If we beat it by 1.00%, you're on your way to a smaller payment.
- Drive off smaller. Sign, bring your title documents, and enjoy a lighter payment every month. Didn't beat it? Your $25 Visa gift card is on us.
Apply Now
Advantage Financial will beat your current auto loan rate by 1.00% APR. If we cannot beat your rate by 1.00%, we will give you a $25 Visa gift card.
- The rate on your existing auto loan must be 5.49% or higher.
- You must be eligible for membership or be a credit union member.
- You must qualify for the loan under current underwriting guidelines.
- Rate comparison must be for a loan of similar term. For instance, if your existing loan had an initial term of 60 months, the comparison is based on a 60-month term. Other rates and terms available.
- Evidence of existing loan terms must be provided (i.e. loan contract, monthly statement, etc.).
- Existing Advantage Financial FCU auto loans are not eligible for this promotion.
- Member must provide original vehicle title documents prior to closing.
*APR = Annual Percentage Rate. All loans subject to credit approval. Federally insured by NCUA. Equal Housing Opportunity.
Key Features
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Competitive Rates
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Free Pre-Approval
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Automatic Payment Discount
- Competitive rates on new or used vehicles
- Plus, no payment for 90 days!*
- Borrow up to 115% of book value for new and used vehicles1
- Convenient terms tailored to fit your budget
- Pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate
- Discount available for automatic payments
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
1For qualified borrowers. *Interest will continue to accrue during the payment deferment period. Deferred payment may not exceed 90 days.
Extended Car Warranties
Our Vehicle Assurance Protection Program offers two types of coverage for your vehicle. For new cars or cars with some remaining manufacturer's warranty, we offer bumper-to-bumper coverage (general maintenance items are not covered). We also offer a named component coverage which covers only specific listed parts. Emergency road service is included in both types of coverage.
Guaranteed Asset Protection (GAP)*
This coverage will make up the gap between your auto insurance and the loan balance in the event of total loss of the vehicle. There is a one-time cost of $375, which can be added to your loan or paid separately. Emergency road service is included.
Payment Protection-Life and Disability
This valuable consumer payment protection covers your monthly loan payment should you become disabled due to a covered illness or injury.
Learn more about Debt Protection.
*All products and services represented on this page are not NCUA-insured, are not guaranteed by this financial institution, are not obligations of this financial institution, and involve risk including possible loss of principle.