Skip to Content (custom)

    New & Used Auto Loans

    An affordable and stress-free auto loan experience

    On the market for a new or used car, or hoping to refinance?

    We have the best rates and the right loan for you. We offer a variety of options with competitive rates and flexible terms to make your money go further.

     

    Fixed rates and monthly payments1
    Finance up to 100% of the vehicle's MSRP
    Flexible terms up to 84 months1
    Same rates for new, used or refinanced vehicles
    Discounted rate when you sign up for automatic payments

    More Auto Options

    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

    Tools & Resources

    Auto Calculators

    Crunch the numbers and find out which of our auto financing options is best for you. 
    • Compare monthy payment by term
    • Compare two vehicle loans
    • How much vehicle can I afford?
    • Should I go for the low rate or cash back?
    • Should I lease or purchase a vehicle?
    • What would my auto loan payments be?
    Do the Math

    Frequently Asked Questions about New & Used Auto Loans

    No, you do not need a savings account to apply for a loan. If your loan is approved, we will open a savings account for you during the loan process. You must make an initial $5 deposit into your savings account upon opening.
    Call 800.322.2709 to speak to a Member Service Representative to check the status of your loan application.  
    The payoff amounts will be listed in the Account Detail screen in cuAnywhere® Online Banking and the Advancial Mobile App for each loan.  
    You can make your loan payments through cuAnywhere® Online Banking and the Advancial Mobile App. You can also make a one-time payment online without having to log in.

    For cuAnywhere and the Advancial Mobile App:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Payments > Pay My Loan or Credit Card
    3. If making your payment using an external account, you can add that information under the Manage Payment Sources section
    4. Select whether you’d like to make you payment from an Advancial or external account and follow the provided steps
    5. If you’d like to set up recurring payments, select Monthly for the Payment Frequency option
    6. Click Submit
    To make a one-time payment:
    1. Go to advancial.org
    2. Select the round Pay button next to the cuAnywhere Online Banking log in on the home page
    3. Enter your account number and the last 4 digits of your Social Security Number.
    4. Select Continue
    5. Enter your payment details  
    If you pay off your auto loan, Advancial will release the lien on the vehicle with your state of residence. The state will then process that release of lien and send you the title between 4-6 weeks after your pay off date. Due to varying policies and procedures between each state, we can’t say for sure how long it will take for the title to be sent to you.
     
    If you trade in your vehicle and pay off your loan as a result, there’s nothing left for you to do! We’ll work with the dealer on everything else.
     
    If you are in an accident and the vehicle is paid off as a result of your insurance or GAP coverage, we’ll work with those respective companies directly.
     
    You may mail checks payable to:
    Advancial Federal Credit Union
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  
     
    You must be a member of Advancial in order to finance your loan. The savings account is considered your membership account and provides you with full access to our products and services.
    Follow these steps to avoid CPI:
    1. Obtain insurance for your new vehicle from your agent.
    2. Ask your insurance agent to send a Declarations Page to Advancial at the address below. This document will usually have all of the necessary information needed to show proof of insurance coverage.
    3. Use the Insurance Verification Checklist below to ensure the documents you send have the necessary information.
    4. If you have a Break in Coverage, when your insurance policy cancels, you must gain new coverage within 30 days of the previous policy’s cancellation date.
    Mail to:
    Advancial Federal Credit Union
    Attn: Vehicle Insurance
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  


    Insurance Verification Checklist:
    • Proof of full coverage (comprehensive and collision) with the Vehicle Identification Number (VIN)
    • Deductibles of $1,000.00 or less 
    • All borrowers listed on the loan should be named as drivers on the policy
    • Advancial listed as lienholder/loss payee
    Do not only send a copy of your liability card. A liability card does not contain the information needed to avoid CPI.
     
    If we do not receive proper proof of insurance, CPI is added to the loan. There is a flat rate of $65 per month, regardless of the member's loan balance. The loan payment is not increased, but the term of the loan could be extended depending on how many months CPI has been applied. If the address on file is current, the member will receive two letters and a policy in the mail before CPI is initially added to the loan. Two letters are subsequently mailed each month before the next monthly premium is added.  
    You must carry comprehensive and collision insurance with deductibles of $1,000.00 or less. Furthermore, Advancial must be listed as a lienholder on the policy.  
    CPI stands for Collateral Protection Insurance. If there is a loan associated with your vehicle, you are required to carry full coverage insurance in the event the vehicle is damaged. If proper proof of insurance is not provided within the allotted time period, a CPI premium may be applied to a member's loan balance.   
    Any loan that requires collateral. This includes, but is not limited to:
    • Vehicles
    • Motorcycles
    • RVs
    • Motorhomes
    • Boats
    • 5th Wheels
    • Travel trailers
    • Campers
    • Airplanes and aircrafts

    Knowledge Center

    A Checklist for an Organized Estate
    Estate planning is a smart thing to do to protect your assets and ease an already difficult time for your loved ones. However, starting the process and executing it effectively can be challenging. Making plans for distributing your money, home and other assets after you’re gone may be uncomfortable, but it’s important to address the topic so you and your loved ones are prepared.
    July 19, 2022
    Credit Scores 101
    Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
    January 18, 2023
    Ditch the Debt
    Getting out of debt may sometimes feel like digging out an entire beach with a child’s toy shovel. But ditching your debt is not impossible. First, it’s important to remember that not all debt is bad. Some debt helps you live a more fulfilling life.
    February 27, 2023
    Dos and Don'ts of Credit Repair
    If you've recently been rejected from a credit or loan application, it may be because of your credit score being too low. If that’s the case, there are a number of reasons why that may be.
    February 28, 2023
    1 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.

    For example, a loan amount of $40,000 over 60 months at an APR of 6.74% would yield a payment of $787.15. 
    2 Additional rate discounts do not apply.
    footer wave background