- New Autos
- Used, Classic and Collectible Auto
- New Motorcycle
- Used Motorcycle
- Recreational Vehicles (Boats, Motor Homes, Trailers & Campers)
- Jet Skis, Four Wheelers & Snowmobiles
Attention New Car Owners!
Good-as-New Refinancing: Did you buy a brand new car within the last 12 months and finance it elsewhere? If so and if your vehicle has 5,000 miles or less, consider refinancing at Advantage One. We will help you lower your payments with our flexible terms, and we will give you our current new auto rate!
Indirect Lending
Our indirect lending program allows you to apply for an Advantage One Federal Credit Union auto, motorcycle, or recreational vehicle loan right at the dealership! There's no need to visit the branch, you can get approved and drive your new vehicle home the same day. Below are the dealerships that participate in our Indirect Lending program:
Come into any one of our branches for a $15.00 Carfax Report (normally priced at $29.99), or receive a FREE Carfax Report when you finance your car with us. Ask for more details today!
| New Auto Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 2.49% |
| 37 to 48 Months | 2.74% |
| 49 to 60 Months | 2.99% |
| 61 to 72 Months | 3.99% |
| |
| Used, Classic and Collectible Auto Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 3.74% |
| 37 to 48 Months | 3.74% |
| 49 to 60 Months | 3.99% |
| 61 to 72 Months | 4.99% |
| New Motorcycle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 5.74% |
| 37 to 48 Months | 5.94% |
| 49 to 60 Months | 6.14% |
| 61 to 72 Months | 6.54% |
| Used Motorcycle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 6.14% |
| 37 to 48 Months | 6.34% |
| 49 to 60 Months | 7.04% |
| 61 to 72 Months | 7.54% |
| Recreational Vehicle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Includes: Boats, Motor Homes, Trailers and Campers. Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 2010 & 2011 Models | |
| 1 to 36 Months | 5.74% |
| 37 to 180 Months | 7.04% |
| Finance $35,000 + (excluding boats) | receive a .50% discount* |
| 2009 & Older Models | |
| 1 to 36 Months | 6.74% |
| 37 to 180 Months | 8.04% |
| Finance $35,000 + (excluding boats) | receive a .50% discount* |
* all discounts are off of your final loan rate | |
| Jet Skis, Four-Wheelers and Snow Mobiles (New Only) | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| Maximum Term of 48 Months | 6.74% |
Quoted loan rates are the lowest rates available and reflect automatic payment from your account. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate.
