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Auto Loans

Looking to purchase a new or used vehicle, or refinance an existing loan?

We've got you covered.


Auto Loans with Advanz Credit Union are available for (new & used) cars, trucks, SUVs and vans.

  • Refinance today & get a $100 Visa® gift card1
  • Low, competitive rates
  • Terms up to 120 months
  • 100% financing available for qualified borrowers
    • With our indirect lending program, Here & Now Financing, get financing through Advanz directly from a variety of participating local dealerships - no need to stop at a credit union branch!
  • Mechanical Breakdown Insurance can be purchased and financed on qualifying vehicles
  • Get pre-approved before you go shopping
  • Fast closing process
  • Loans for classic vehicles (contact us for details)
  • No early payoff penalties

Apply Now   View Rates   CHECK NADA   Auto Insurance

1APR= Annual Percentage Rate. Rate of 2.49% APR applies to loans with terms up to 35 months on both new and used vehicles. This is the best possible rate. Actual rates and terms are based on credit score and amount financed. Financing up to 100%. Gift Card offer valid only for qualified borrowers financing loans from another lender or for those opening a new Advanz auto loan. Only applies to new money to Advanz. Existing Advanz loans not eligible. Indirect loans not eligible. Offer ends March 31, 2021. Membership with Advanz Credit Union is required. Contact the Credit Union for full details.

Guaranteed Asset Protection (GAP) Coverage

What is Guaranteed Asset Protection?

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including, but not limited to, loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle financed or leased with our Advanz!

How does GAP work?

The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV %. GAP may also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. Not available in NY or AK.

Loan Balance

$18,000

Insurance  Settlement


$15,000

GAP covers

$3,000

 

 

 

 

Click here for details and pricing. Contact us if you'd like to see if you can add GAP coverage to an existing Advanz vehicle loan.

Mechanical Breakdown Protection (MBP)

Drive with the peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures. In addition to repairing your vehicle, MBP provides services such as rental car allowance, tire protection, 24/7 roadside assistance, and towing. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired. Ask us how you can drive with the proper protection against costly repairs!

Benefits of MBP:

  • 24/7 Roadside Assistance & Towing
  • Rental Car Allowance
  • Tire Protection
  • Trip Interruption Coverage
  • Consequential Damage Coverage

Click here for details and pricing. Contact us if you'd like to see if you can add MBP to an existing Advanz vehicle loan.

Debt Protection

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment, you wouldn’t want your family to worry about making your loan payments.

With Debt Protection, your loan balance or monthly loan payments may be canceled without penalty or added interest.

  • In the event of death, it cancels the remaining loan balance up to a maximum in the contract
  • If you become disabled, it cancels up to a maximum number of loan payments based on the contract
  • If you are involuntarily unemployed, it cancels up to a maximum number of loan payments based on the contract

Contact us if you'd like to see if you can add Debt Protection to an existing Advanz loan.