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 January 17, 2021
Model Year TermTerm APR as low as*Est. Payment/$1,000
2020 & NewerUp to 60 Months 2.49%$17.96
Up to 72 Months2.99%$15.46
Up to 84 Months3.99%$14.03
2018 to 2019Up to 60 Months 3.19%$18.34
Up to 72 Months3.69%$15.84
2015 to 2017Up to 60 Months3.69%$18.61
Up to 72 Months4.19%$16.12
2014 and OlderUp to 60 Months4.19%$18.88

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.)
  • Enterprise Car Sales

    Looking to buy a 1 – 3 year-old vehicle? Look to Enterprise Car Sales.

    We’ve partnered with Enterprise Car Sales to offer you recent model vehicles that have been meticulously cared for and rigorously inspected so we can feel confident they’ll sell you a car you’ll love – and will drive for many years to come.

    Start shopping now and don’t forget to get a pre-approval from Advantage FCU!
    Stop by Enterprise today at 4161 W. Henrietta Road, call 585.321.3777.

  • 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 2.49% APR to 12.69% 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.