Whether you are looking for new, used or want to refinance, Advantage works with you. We offer great low rates and flexible terms when you are purchasing or refinancing!


If you are just starting to look, get pre-approved! With a pre-approval shopping is easier when you know what you can afford right up front!


1st Time Car Loan Program

Get Qualified!

  • First time buying a car?
  • No established credit?

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Introducing our 1st Time Car Loan Program for members who have never had a car loan before! If you are 18 years or older and the time has come to purchase you first car then we have a product just for you. We can help you make that big purchase even if you don’t have a credit score established.

We can help you get qualified today!

  • Must be 18 years old or older.
  • Available to a borrower who has never had a car loan or lease before.
  • No credit score established? Get a rate no higher than 9.99% APR.
  • Rate and payment reductions considered after one year of on time payments.

Car Buying Resources

Need Help?

  • Resources to help you find that perfect car!

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In addition to low rates on car loans, Advantage offer’s two car buying resources that members can use to help them find that perfect car.

> AutoWise® auto buying & leasing service provides Advantage FCU members with convenient consultation & a stress-free car buying experience! Save precious time and considerable money on your next new or late model used car. Let AutoWise® do the searching and haggling for you! AutoWise® handles every aspect of the car buying process, including vehicle search and negotiation, arranging competitive finance or lease terms, vehicle registration and coordinating convenient delivery at an Advantage branch near you. For more details on this personalized car buying service, ask your Advantage member service rep or call AutoWise® at 585-383-1091 today! Visit AutoWise® online at www.autowiseusa.com

> Enterprise Car Sales offers competitive used car prices and backs each one with one of the industry’s best used car warranties. To make your used car buying experience even better, Enterprise’s professional staff is trained in a low-pressure sales process that puts customers’ needs first. Enterprise takes the stress out of buying a used car. You’ll never haggle with a salesperson. Car prices are always posted in plain view so you can avoid unpleasant negotiating. If you’re in the market for a used vehicle, stop by Enterprise today at 4161 W. Henrietta Road, call 585-321-3777, or view Enterprise selections online.

Optional & Recommended Products for Car Loans

Optional & Recommended Products for Car Loans

Quote Optional & Recommended Products

Car Related Forms & Checklists 

Blank Bill of  Sale Auto