TAKE OFF WITH AN ADVANTIS VEHICLE LOAN

We make it easy to hit the road, river, or trail

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We’ve got a loan to match the way you like to move

Whether you live to ride, drive, tow, or sail, an Advantis vehicle loan offers the low rates and flexible terms to help you set off on your next journey. Plus, you’ll always get the friendly guidance of our local lending pros, every step of the way.

Save more with our low fixed rates by refinancing your higher rate auto loan
No application or loan fees, and no pre-payment penalties
Easy application process with local underwriting
Get pre-approved quickly, so you can shop with confidence
Choose flexible terms: up to eight years for autos; even longer for RVs and boats

New and used cars

The road is calling. Buy a new or used car, or refinance a loan from another lender. Enjoy lower rates, no fees, and terrific local service from our seasoned Advantis lending pros.

Fixed rates as low as 2.99% APR, with terms up to eight years
On-the-spot financing at participating CUDL (Credit Union Direct Lending) dealerships
Borrow up to 120% of MSRP on new cars; up to 120% of Kelley Blue Book value on used cars
Take up to 90 days to make your first payment⁺⁺
Apply online and get pre-approved before you shop

Auto¹		Rates Effective 06/04/2021
Loan Type	Terms	Annual Percentage Rate
2018 & newer	up to 6 Yrs up to 7 Yrs up to 8 Yrs	As low as 2.99% As low as 3.49% As low as 4.74%	Fixed
2017 - 2013	up to 6 Yrs up to 7 Yrs	As low as 3.49% As low as 3.99%	Fixed
2012 & older	up to 5 Yrs	As low as 4.49%	Fixed
¹APRs on auto loans range from 2.99% to 15.74% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 120% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 60-month fixed rate loan at 2.99% APR would be $17.96/month per $1000 borrowed; Payments on 60-month fixed rate loan at 15.74% APR would be $24.18/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 2.99%APR would be would be $15.19/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 15.74%APR would be $21.55/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 3.49% would be $13.44 /month per $1000 borrowed; Payments on an 84-month fixed rate loan at 10.74% would be $16.99/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 4.74% would be $12.54/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 6.74% would be $13.50/month per $1000 borrowed. Underwriting approval is required. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. The Start Auto Loan Program is subject to credit approval, terms are limited up to 72 months with financing of up to 100% of MSRP/Kelley Blue Book; collateral mileage must be less than 100k. Applies to autos less than 10 years old. ⁺⁺Interest begins to accrue from the date of origination, Loans that are not eligible to receive the deferred payment option include: internal auto refinances, Start auto loans, recreational vehicles and unsecured loans.

New and used RVs and boats

Looking for adventure? Or just a weekend escape? Advantis can help you purchase or refinance a new or used motor home, travel trailer, or boat. With low rates and no fees, we make it easy to get away.

Rates as low as 4.74% APR
Fixed-rate terms up to 15 years
Apply online and get pre-approved before you shop
On-the-spot financing available at participating CUDL (Credit Union Direct Lending) dealerships

RV Loans¹			Rates Effective 06/04/2021
Loan Type	Terms	Annual Percentage Rate
New & Used (2016 & newer)	10 years	5.74% to 8.24%	Fixed
	15 years	6.24% to 8.74%	Fixed
Used (2015 & older)	10 years	7.04% to 9.54%	Fixed
	15 years	7.54% to 11.04%	Fixed
¹For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Maximum LTV for used RVs is up to 85% of average NADA retail, plus title, license and warranty. Payment examples: Payments on a 10-year loan at 5.74% APR would be $10.97/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.54% APR would be $12.96/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 6.24% APR would be $8.57/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 11.04% APR would be $11.39/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

Boat Loans¹			Rates Effective 06/04/2021
Loan Type	Terms	Annual Percentage Rate
New (2016 & newer)	10 years	4.74% to 7.24%	Fixed
	15 years	5.24% to 7.74%	Fixed
Used (2015 & older)	10 years	6.54% to 9.04%	Fixed
	15 years	7.04% to 9.54%	Fixed
^¹For all Boat loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new & used Boats is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Payment examples: Payments on a 10-year loan at 4.74% APR would be $10.48/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.04% APR would be $12.69/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 5.24% APR would be $8.03/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 9.54% APR would be $10.47/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

Personal RVs

Like to take the road less traveled? We can help you purchase a new utility vehicle, ATV, personal watercraft, snowmobile, scooter, dirt bike, cargo trailer, utility trailer, or drift boat. The rest up to you.

Rates as low as 4.49% APR
Fixed-rate terms up to seven years
Apply online and get pre-approved before you shop
Easily finance your title, license, and registration fees into your loan

Personal RV Loans¹			Rates Effective 06/04/2021
Loan Type	Terms	Annual Percentage Rate
New Units Only	Up to 5 years	4.49% to 6.24%	Fixed
	Up to 6 years	4.99% to 6.74%	Fixed
	Up to 7 years	5.49% to 7.24%	Fixed
¹For all Personal RV loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 4.49% APR would be $18.64/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 6.24% APR would be $19.44/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 5.49% APR would be $14.37/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 7.24% APR would be $15.21/month for 84 months per $1000 borrowed. This loan type is intended for financing of UTVs, ATVs, personal watercraft, snowmobiles, scooters, dirt bikes, cargo trailers, utility trailers, and drift boats. All loans are subject to underwriting approval. Maximum LTV for personal RV is up to 90% MSRP, plus tax, title, license, and warranty.

Motorcycles

You prefer a ride with fewer than four wheels? Buy a new or used (model year 2013 or newer) cruiser, sport bike, roadster or trike and head out on the highway.

Rates as low as 4.49% APR
Fixed-rate terms up to seven years
Apply online and get pre-approved before you shop
Easily finance your title, license, and registration fees into your loan

Motorcycles¹			Rates Effective 06/04/2021
Loan Type	Terms	Annual Percentage Rate
Model Years 2013 or newer	Up to 5 yrs	4.49% to 6.24%	Fixed
	Up to 6 yrs	4.99% to 6.74%	Fixed
	Up to 7 yrs	5.49% to 7.24%	Fixed
^¹For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 4.49% would be $18.63/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 6.24% would be $19.44/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 5.49% would be $14.37/month for 84 months per $1000 borrowed; payments on a 7- year loan at 7.24% would be $15.21/month for 84 months per $1000 borrowed. All loans are subject to underwriting approval. Maximum LTV for Motorcycles is up to 125% MSRP or NADA Retail but may be lower depending upon credit qualifications.

Know before you shop

Buying a car doesn’t have to be intimidating or confusing. Educate yourself with our interactive feature to guide you through the process of selecting and buying your car.

Do your homework

Take the mystery out of the car-shopping experience. Use our handy online payment calculator to determine what your loan payments will look like — before you buy.

Let Auto Solution put you behind the wheel

We’ve partnered with Auto Solution to help you find the perfect car at a great price. Leave the car-buying hassles behind and let Auto Solution take care of all the work.

No need to visit a dealership
No haggling over prices
Help with your trade-in
Take delivery at home or nearest Advantis branch

Learn more and see how easy car buying can be with Auto Solution.

Frequently asked questions

Get Started

Applying online usually takes less than 10 minutes. You can help make it quick and easy by having the following documents available in case we need them to process your application:

Current paystub, depending on loan amount and credit history
Statement(s) for creditors being paid off (when refinancing a current vehicle loan)
Title/registration/DEQ information for vehicle being purchased or refinanced

In most cases, a Member Advisor will follow up with you within one business day of applying. And once your application is complete, we generally have a loan decision within one business day.