A New Season of Savings. 100 Reasons to Smile

Enjoy simple, affordable auto loans with rates as low as 3.99% APR* + $100 cash.

The Smarter Way to Buy, Borrow & Drive

Advance Financial makes car buying easy, affordable, and rewarding.

 

Whether you’re shopping new, pre-owned, or refinancing an old loan for more monthly savings, we’ll put you squarely in the driver’s seat with:

 

• Low Rates: Auto loans as low as 3.99% APR*
• 100 Bonus Cash: Every approved, funded loan earns you $100 back
• Fast Pre-Approvals: Shop with confidence at the dealership
• Flexible Terms: Loan options that fit your budget and lifestyle
• Peace of Mind: Add GAP, Extended Warranty, or Debt Protection for extra protection

Lock in Your Savings

Why Choose an Advance Financial Auto Loan?

Your car isn’t just about getting from A to B — it’s about peace of mind, savings, comfort, and convenience. AFFCU helps you maximize all three:

• Refinance & Save More: Lower your payment by refinancing a higher-rate loan from another lender.
• Shop Smarter, Stress Less: Our pre-approval process gives you buying power before you hit the lot.
• Protect Your Investment: Add affordable GAP, MRC extended warranties, and debt protection.
• Service You Can Count On: Since 1937, AFFCU has been member-driven and community-focused, committed to putting people first.
• Neighbors Helping Neighbors: With local roots and 85+ years of service, we’re a trusted partner in your
   

Start Your Application

*Disclosures: APR = Annual Percentage Rate. Rates may vary depending on the individual's credit worthiness and loan characteristics. Interest rates on new and used vehicles (2021 or newer) as low as 3.99% APR for 12 to 36 months. Not all applicants will qualify for the lowest rate. Receive $100 when you close on a vehicle loan $10,000 or more during the promotional period. Incentive will be deposited in your account at  the time of the loan closing. Refinancing of exisiting Advance Financial Federal Credit Union vehicle loans does not qualify for the $100 incentive buy may qualify for the 3.99% APR. Offer valid as of October 1, 2025 and subject to change or cancellation without notice. Other rates and terms available. Membership eligibility required.