Auto Loan

Advantage FCU offers you great low rates and flexible terms when you are looking to purchase your new car. But did you know, you could also refinance and be eligible for the same low rate?

Shopping is easier when you know what you can afford right up front!
If you are in the market for a new car, get pre-approved for a quicker turnaround.

Car Loan as of September 14, 2019
Model Year TermTerm APR as low as*Est. Payment/$1,000
2018 & NewerUp to 66 Months 2.99%$16.72
67 - 72 Months3.49%$15.73
73 - 84 Months4.49%$14.32
2016 to 2017Up to 66 Months 3.49%$16.99
67 - 72 Months3.99%$16.01
2013 to 2015Up to 66 Months3.99%$17.26
67 - 72 Months4.49%$16.29
2012 and OlderUp to 60 Months4.49%$19.05

Credit Life & Disability

Credit insurance can help make your loan payments when you can’t.

GAP Protection

Guaranteed Asset Protection (GAP) may waive the difference between what the insurance company paid and the loan amount.


Avoid costly repairs or overpriced coverage with Mechanical Repair Coverage (MRC); you can create or extend a warranty for your car.

(Click title to view details.)
  • Car Buying Resources

    Need Help?

    In addition to low rates on car loans, Advantage FCU offers a car buying resources that members can use to help them find that perfect car.

    • 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.

  • MRC Powered by ForeverCar

    As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket, costs for covered breakdowns.

    To research, compare and buy Mechanical Repair Coverage, visit or call 866.908.8694, where you can take advantage of:

    • Convenience – easy-to-use, 24/7 online shopping experience
    • Customer service – expert service through a dedicated call center
    • Monthly payments – through a convenient monthly payment plan that fits your budget

Car Related Forms


*All loans subject to underwriting, including verification of value of acceptable collateral. Vehicles for commercial use will not be accepted.

*Estimate includes principal and interest only. Rates and loan terms are determined based on applicant’s past credit history. Annual Percentage Rates (APR) will vary from 2.99% APR to 12.99% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Advantage Federal Credit Union. Rates subject to change without notice. Loan terms greater than 60 months (5 years) may be subject to credit criteria. Proceeds for auto purchase transactions will only be payable to the sellers of vehicles. Proceeds for auto refinance transactions will be payable to the creditor currently holding the lien with a balance owed for the amount of that lender’s written payoff per Advantage terms and conditions. Membership subject to eligibility. Other terms available. Limited time offer.
APR=Annual Percentage Rate