Vehicle Loans

Auto Loans

When you are looking to finance your next new or used car, Advantage One is here to help! With low rates, flexible payment terms and great service, we are your best source for auto loan financing. Apply online or through our 24/7 Loan Hotline at 734-676-7000.

We offer:

  • Low new & used auto loan rates
  • Apply NowFinancing for Classic & Collectible cars
  • Loan preapproval before you buy
  • Auto loan payment calculator
  • Payment terms to 84 months

Auto Refinancing

Ready to lower the monthly payments on your auto loan?  Bring your current high-rate auto loan from another financial institution to Advantage One and discover great money-saving opportunities with our auto refinancing program.

Plus - If you purchased your new vehicle in the last 12 months, and it has 5,000 miles or less, consider refinancing your auto loan with our Good as New Auto Refinancing. We'll help lower your monthly payments and we will give you our current new auto rate!

Stop by one of our branch locations for a $15.00 Carfax Report (normally priced at $29.99).


New Auto Loan Rates
Effective Date: Monday, September 24th, 2018
Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle.
TermAnnual Percentage Rate
1 to 39 Months 2.99%
40 to 51 Months 3.24%
52 to 63 Months 3.35%
64 to 75 Months 3.69%
76 to 84 Months (min. $25k) 3.99%
First TIme Car Buyer 9.99%
Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. To qualify for First TIme Car buyer program, there must be no previous auto history and no current FICO score present.

Used, Classic and Collectible Auto Loan Rates
Effective Date: Monday, September 24th, 2018
Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle.
TermAnnual Percentage Rate
2011 And Newer  
1 to 39 Months 3.64%
40 to 51 Months 3.74%
52 to 63 Months 3.99%
64 to 75 Months 4.24%
76 to 84 Months (4 yrs old or newer & min. $25k) 4.74%
First Time Car Buyer 9.99%
2010 & Older  
1 to 39 Months 5.64%
40 to 51 Months 5.74%
52 to 63 Months 5.99%
64 to 75 Months 6.24%
Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. Vehicles with greater than 125,000 miles will have 0.25% added to the final loan rate. To qualify for First Time Car Buyer program there must be no previous auto history and no current FICO credit score present.

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