Skip to Content (custom)

    Auto Loans

    Get your show on the road.

    We have what you need to get rolling. 

    You just focus on finding the perfect vehicle – we’ll take care of the rest. Our auto loan options were designed to take the stress out of buying a car and make it a fun, exciting experience. If you’re feeling a little more old school, we also offer classic car loans so that you can drive off with the car of your dreams.

    Auto Loans

    Whether you're on the market for a new or used car, or looking to refinance, we have the best rates and the right loan for you.
    • Same rates for new, used, or refinance
    • Finance up to 100% of vehicles MSRP
    • Discounted rates when you sign up for automatic payments
    • Fixed rates & payments
    • Flexible terms
    Learn More

    Auto Leasing

    Lease a vehicle with our trusted partner.
    Auto Leasing

    Classic Car Loans

    We love the classics and know that financing for them can be hard to find, so we developed our classic cars program to make it easier for members to get the wheels they want and ride off into the sunset with easy and affordable financing options.
    Classic Car Loans

    Protect Your Loan

    A loan is a serious commitment. These additional products can help protect that commitment when the unexpected happens.
    Protect Your Loan

    Vehicle Loan Rates

    Loan Type 3 year 4 year 5 year 6 year 7 year 10 year 12 year 15 year
    Auto¹ 6.41% 6.52% 6.64% 7.34% 7.91% - - -
    Auto Lease Contact your branch or call us at 1.800.322.2709 for more information and help finding your next vehicle.
    Boat² - 7.40% 7.52% 7.60% 7.70% 7.91% 7.94% 8.33%
    Motor Home & Travel Trailer² - 7.78% 7.91% 7.98% 8.09% 8.20% 8.24% 8.36%
    Motorcycle, Jet Ski, ATV & Pop-up Camper² 8.25% 8.36% 8.52% 8.60% - - - -
    All loan rates current as of 5/26/2024. All loans subject to approval. Rates, terms and conditions are subject to change without notice. APR = Annual Percentage Rate. All advertised as low as APR (Annual Percentage Rate) assume excellent borrower credit history. Your actual APR may be higher than the rate shown and will depend on your credit history and credit transaction. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.

    Monthly payment amounts vary by loan term and rate. Contact us or apply online to have us calculate your rate. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.

    Auto:  For example, a loan amount of $40,000 over 60 months at an APR of 6.64% would yield a payment of $785.27. 

    Motor Home & Travel Trailer: For example, a loan amount of $50,000 over 84 months at an APR of 8.09% would yield a payment of $781.55. 

    Motorcycle, Jet Ski, ATV & Pop-up Camper: For example, a loan amount of $20,000 over 60 months at an APR of 8.52% would yield a payment of $410.52. 

    Additional rate discounts do not apply.
    Credit subject to approval. Rates may differ and are subject to change.

    Dealer Network

    Work with local dealerships who have partnered with Advancial in your area.
    Dealer Network

    Advancial and AutoSMART


    Experience a stress-free car shopping process that guides you all of the way from finding your perfect vehicle to getting pre-approved before stepping foot in the dealership.
    1. Search online for the exact make, model and build you want for your next vehicle.
    2. Shop around at local dealerships to see which ones have the exact vehicle you’re looking for instead of making compromises.
    3. Complete our quick and easy online application to get pre-approved for your exact vehicle, so you’ll know exactly how much you’ll pay before stepping foot in the dealership.
    It’s that easy!

    No more negotiating with a pushy salesperson that needs to “talk to their manager.” You’ll be in and out of the dealership in no time.

    Be sure that you do your research before buying! AutoSMART offers Vehicle Value Guides such as Kelly Blue Book®, Black Book and Nada Guides to help you make the best, most informed decisions for your situation.

    Start looking for the new or used car of your dreams today!
    footer wave background