Credit union · NCUA insured
Advance Financial Federal Credit Union Auto Loan Rates
Advance Financial Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 15, 2026.
How Advance Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Advance Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advance Financial Federal Credit Union
4.25%APR
- Terms
- 37–60 months
- Discount
- None included
New Vehicles
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Advance Financial Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advance Financial Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicles
Rates apply to model years 2025-2026. Special rates are limited to A+ credit tiers only. Minimum loan amount is $10,000. Rates may vary according to creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000. |
| 37–60 months | 4.25% | Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000. |
| 61–72 months | 4.75% | Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000. |
| 73–84 months | 5.99% | Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000. |
Used Vehicles
Applies to used vehicles (model years 2017 to 2025). Special rates are limited to A+ credit tiers with a minimum loan amount of $10,000. Loans on 2017 vehicles cannot exceed 75% of retail.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Special rate for A+ tier. Model years 2022-2025. Minimum loan amount $10,000. |
| 37–60 months | 4.25% | Special rate for A+ tier. Model years 2022-2025. Minimum loan amount $10,000. |
| 61–72 months | 4.75% | Special rate for A+ tier. Model years 2022-2025. Minimum loan amount $10,000. |
| 73–84 months | 5.99% | Special rate for A+ tier. Model years 2022-2025. Minimum loan amount $10,000. |
| up to 48 months | 7.00% | Model years 2018-2021. |
| 49–60 months | 7.25% | Model years 2018-2021. |
| up to 36 months | 7.00% | Model year 2017. Loan cannot exceed 75% of retail. |
Who can join Advance Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, volunteers or is educated in Lake or Porter Counties in Indiana.
Family and household
- Open to families of members wherever they live, including spouses, children, siblings, parents, grandparents, grandchildren, aunts, uncles, nieces, and nephews.
Membership information collected October 5, 2026.