Let us treat you to a great rate!

Let us treat you to a great rate!

Experience the Advancial difference

We worked hard to provide the best auto loan process for our members. You'll be able to enjoy auto loan rates that are 30% lower than the national average!2 Check out our rates to see how much you could save.

Auto Loan Rates

 
3 year 4 year
5 year
 

6 year
 
7 year
As low as
3.06%
As low as
3.21%
As low as
3.40%
As low as
3.74%
As low as
4.36%
Rates effective from 10/01/2021 through 10/31/2021.

 

  • Defer your first payment for 90 days3
  • Flexible terms up to 84 months4
  • Fixed rates and monthly payments4
  • Finance up to 100% MSRP
  • Discounted rate when you sign up for automatic payments5
  • Text "carloan" to 972.201.1727 and we'll immediately respond with a link to our application1
blue car

Advancial and Carvana

Advancial has partnered with Carvana to help our members save more! Carvana is the fastest growing used auto retailer that allows you to:
  • Browse certified inventory: low mileage, no reported accidents, and a 150-point inspection
  • Shop from home 24/7: buy online with delivery or pickup available as soon as the next day ​
  • Buy with confidence: 7-day money back guarantee, 100-day warranty ​

As an additional benefit of being an Advancial member, you can get a $100 cash reward through Love My Credit Union Rewards when you purchase a vehicle from Carvana.6 

ADVANCIAL AND CUDL AUTOSMART


Experience a stress-free car shopping process - from preapproved funding to getting the keys in your hand.

Our partnership with AutoSmart allows you to search, shop and finance all in once place. You can build the vehicle you're looking for by make, model, color and other options or just search for what's available in your area. AutoSmart offers Vehicle Value Guides such as Kelly Blue Book, Black Book and Nada Guides. 

Banking Redefined







All interest rates shown as Annual Percentage Rate (APR) and reflect the lowest available rates for the products advertised. To qualify for our lowest vehicle loan rates, you must have excellent credit and sign up for automatic payments. Advertised rate will increase .20% without automatic payments enrollment. For automobiles with mileage over 100,000 add 2% to the advertised rate. For classic cars (25+ years) add 1% to the advertised rate. Loans secured by new or used collateral are subject to the collateral’s MSRP or NADA Retail value at the time of the loan. MSRP or NADA Retail value greater than $20,000 required for 6-year automobile terms and greater than $35,000 for 7-year automobile terms. Actual rates are disclosed to approved applicants prior to loan consummation. Monthly payment amounts vary by loan term and rate. For example, a loan amount of $20,000 over 60 months at an APR of 4.07% would yield a payment of $368.96.

All interest rates shown as Annual Percentage Rate (APR) and are contingent upon approved credit. Rates shown are the lowest available rates for the products advertised. Not all applicants will qualify for the lowest rate. Your rate will be determined by the loan type, the terms you request and your credit history. Interest rates, down payment requirements and financing terms for all loan programs are subject to change without notice. Offers for all loan programs may be withdrawn or extended without prior notification. Amounts to be financed and down payment requirements for all loan programs could affect the length or repayment term contracts. 1 Rate discount of .20% is available when you establish auto pay for your loan. 2 66-month term also available on automobile loans at the 5-year term rate. 3 6-year term on automobiles only applies to loans for auto with MSRP or NADA Retail values greater than $20,000.



1 Standard text message rates may apply.
2 Based on our lowest auto loan APR of 3.06% for a 36 month loan compared to the national average 36 month auto loan APR of 4.50% according to bankrate.com as of 7.28.2021.

Interest begins accruing the day the loan is funded. Only available for new auto loans booked directly through Advancial or auto loans refinanced from other financial institutions.
6-year term on automobile loans only applies to loans for autos with MSRP or NADA Retail values greater than $20,000 and 7-year term on automobile loans only applies to loans for autos with MSRP or NADA Retail values greater than $35,000. For example, a loan amount of $20,000 over 60 months at an APR of 3.79% would yield a payment of $366.44.
Additional rate discounts do not apply.
6Valid only for Carvana purchases through LoveMyCreditUnion.org. See Terms & Conditions

 

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