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Start Auto Loan

Helping first-time car buyers start moving forward 

Buy your first car with Advantis


Start Financial Program logoWe have a special program to help you get behind the wheel and save more. Our Start Auto Loan is part of our Start Financial Program which offers special accounts, learning, and advice for teens, young adults, and members new to loans.

If you’re under 18 years old: We welcome you to apply for a Start Auto Loan, as long as you have a parent or other co-signer on your loan. Parents will have access to monitor and help manage their child’s loan and make a payment through online and mobile banking.

Start Auto Loan features:

  • Flexible terms for first-time car buyers
  • Low fixed interest rates
  • Buy a new or used car up to $25,000†

 

Get all the details:

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Special program for first-time buyers

Don’t be nervous about applying for your first car loan. We’ve built a program just for you! Our Start Auto Loan features flexible terms and excellent rates to help you get the financing you need.

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Buy a new or used car up to $25,000

New, used, truck, car, or SUV – the choice is up to you! Get a loan for up to $25,000 to buy the vehicle that fits your needs.

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Low, fixed interest rates

You can rest easy knowing you are financing your vehicle at a low rate (meaning you save money) and that’s fixed (so it will never adjust). We keep it simple!

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We’ll be your guide from start to finish

You’ll have the guidance of a local loan officer, from application to keys in hand. They’ll be there to answer your questions, and help you get into your car quickly and easily
 
 
 
 
 
 

Start Auto Loan Rates

With low, fixed interest rates you’ll save more when you finance your first vehicle with Advantis.

Start Auto Loan1

 Rates Effective 12/09/2019
LOAN TYPE TERMS ANNUAL PERCENTAGE RATE
2018-2019 (New) up to 6 Yrs As low as 4.49% Fixed
2014-2019 (Used) up to 6 Yrs As low as 4.24% Fixed
2013 & older (Older) up to 6 Yrs As low as 4.74% Fixed
1APRs on auto loans range from 4.24% to 18.74% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Payments on a 60-month fixed rate loan at 4.24%  APR would be $18.53/month per $1000 borrowed. Payments on a 60-month fixed rate loan at 18.74% APR would be $25.80/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 4.24%APR would be  would be $15.75/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 18.74%APR would be $23.23/month per $1000 borrowed. The Start Auto Loan Program is subject to credit approval and is limited to financing of up to 100% of MSRP/Kelly Blue Book; collateral mileage must be less than 100k. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. Start Auto Loan Program is for first-time auto buyers, buy a new or used car up to $25,000. Parent or other co-signer required if under 18 years old.
 
 
 
 
 
 
 
 

Boost your money smarts with free online learning

After you open any account or loan that’s part of the Start Financial Program, we’ll email you short videos that will teach you all the basics when it comes to your finances. Below are the videos you’ll receive after you buy a car with your Start Auto Loan.

Click to watch now:

 
 
 
 
Managing Your Auto Loan learning module
Managing Your Credit Score learning module
Understanding Insurance Learning module
 


Want to keep learning now?  Watch more videos:

Financial Education Center

Bank from your phone – anywhere, anytime

 
Manage & move your money in just a few taps with the Advantis Mobile App
  • It’s like a branch in your pocket
  • Make a loan payment
  • Check your balance and transfer money in seconds
  • Deposit your checks from your phone, anytime
  • Setup account alerts
  • Use Apple Pay®, Samsung Pay®, Google Pay™ with your debit card
  • Parents: As a joint account owner, you’ll have access to monitor and
    help manage your child’s account and transfer funds to them

Learn more about online and mobile banking:

Online & Mobile banking

Mobile app on a mobile phone
 
 
 
 
 
 

It’s easy to apply for a Start Auto Loan!

First, a couple simple questions:
 

Are you 18 years old (or older)?

You have several easy options to apply for a Start Auto Loan:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because you must have a parent or other co-signer on your Start Auto Loan, please choose one of the following options:

  • Visit any Advantis branch with your parent or other co-signer
  • Send us a secure email inside Online Banking
  • Call us at 503-785-2528 (Monday – Friday, 8am – 6pm)
 
 
 
 
 

†Subject to credit approval. Finance up to 100% of MSRP/Kelley Blue Book. Collateral mileage must be less than 100k. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral.

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