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Get the car you love with a loan you can handle

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Whether you're purchasing new or used, refinancing or buying an extra toy, Advance Financial has some of the lowest rates and most convenient terms around on vehicle loans.

Competitive Rates
Pre-Approvals and Direct Dealer Financing available
Terms ranging from 36 months to 84 months
Loan repayment can be scheduled for payroll deduction or ACH or can be easily transferred using Online Banking, Mobile Banking or Touch Tone Teller
Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection (GAP) available

Apply Now Rates

Auto, Boat, RVs and Motorcycles Rates

Effective Date: Tuesday, April 29th, 2025

Type	Note Rate	APR	Payment Example
New Vehicles	Up to 36 Months	3.99% special*	$590.39
2024-2025	37-60 Months	4.99% special*	$377.33
	61-72 Months	5.75% special*	$329.10
	73-84 Months	6.49% special*	$296.89
Used Vehicles	Up to 36 Months	3.99% special*	$590.39
2021-2024	37-60 Months	4.99% special*	$377.33
	61-72 Months	5.75% special*	$329.10
	73-84 Months	6.49% special*	$296.89
Used Vehicles	0-48 Months	7.00%	$478.92
2017-2020	49-60 Months	7.25%	$398.39
Used Vehicles 2016	Up to 36 Months	7.00%	$617.54
New Motorcycles	Up to 36 Months	3.99% special*	$590.39
2024-2025	37-60 Months	4.99% special*	$377.33
	61-72 Months	5.75% special*	$329.10
	73-84 Months	6.49% special*	$296.89
Used Motorcycles	Up to 36 Months	3.99% special*	$590.39
2021-2024	37-60 Months	4.99% special*	$377.33
	61-72 Months	5.75% special*	$329.10
	73-84 Months	6.49% special*	$296.89
Used Motorcycles	0-48 Months	7.00%	$478.92
2017-2020	49-60 Months	7.25%	$398.39
Used Motorcycles 2016	Up to 36 Months	7.00%	$617.54
APR is Annual Percentage Rate. Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range. Payment example does not include down payment, taxes or other fees. Auto Loan Example: $20,000 at 3.99% for 36 months. Monthly payment is $590.39 with total finance charges of $1,254.09 and total repayment of $21,254.09; To determine your exact payment, click here to use our Auto Loan Calculator.