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
- Same rates for new, used, or refinance
- Finance up to 110% of vehicle's MSRP
- Discounted rates when you sign up for automatic payments
- Fixed rates & payments
- Flexible terms
See How Advancial Excels in Your Area
Real Stories From Real Members.
"Advancial Federal Credit Union is very efficient in its execution. I would easily recommend anyone to the bank at any given time. Thank you for making my dream to own a car in this new country come true."
Laban A.
Vehicle Loan Rates
| Loan Type | 3 year | 4 year | 5 year | 6 year | 7 year | 10 year | 12 year | 15 year |
|---|---|---|---|---|---|---|---|---|
| Auto¹ | 4.59% | 4.63% | 4.82% | 5.56% | 6.19% | - | - | - |
| Auto Lease | Contact your branch or call us at 1.800.322.2709 for more information and help finding your next vehicle. | |||||||
| Boat² | - | 5.96% | 6.14% | 6.27% | 6.52% | 6.85% | 7.04% | 7.48% |
| Motor Home & Travel Trailer² | - | 6.33% | 6.52% | 6.65% | 6.91% | 7.14% | 7.34% | 7.40% |
| Motorcycle, Jet Ski, ATV & Pop-up Camper² | 6.86% | 6.91% | 7.12% | 7.26% | - | - | - | - |
All loan rates current as of 3/25/2026 CST. 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.
PAYMENT EXAMPLES
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 4.82% would yield a payment of $751.56.
Motor Home & Travel Trailer: For example, a loan amount of $50,000 over 84 months at an APR of 6.91% would yield a payment of $752.44.
Motorcycle, Jet Ski, ATV & Pop-up Camper: For example, a loan amount of $20,000 over 60 months at an APR of 7.12% would yield a payment of $397.16.
