Drive Down Your Payments
Most members don’t realize they could save by refinancing a loan they got at the dealership or another lender. We’re here to make sure you’re not overpaying. We may be able to save your hundreds of dollars over the course of your loan!
Limited Time Offer:
0.50% APR¹ Off Your Rate
A lower rate means a lower your monthly payment. Even just a small rate drop can mean big savings over the life of your loan.$200 Cash Back²
You’ll receive $200 back just for refinancing with us. Use it for gas, groceries, or anything else that makes life easier.Up to 90 Days With No Payments³
Take a break from your loan. Enjoy extra breathing room while you settle into your new, lower payment.
Why Refi with Advantage One?
Rates as low as 3.74% APR²
Fast, easy online application
No hidden fees
Local service from people who put members first
Ready to Roll?
Same car. Better loan. More money in your pocket. See how much you could save by bringing your auto loan to Advantage One!
If you’d prefer to apply in person, schedule your appointment online.
1To be eligible for refinance special, the auto loan refinance must be from an external financial institution (Not AOCU), and must be for $15,000 or more. Final rate based on creditworthiness and consumer credit scoring. Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. This offer cannot be combined with any other offers and may end early without notice. Loans must close by 05/31/2026 to qualify.
2APR = Annual Percentage Rate. Rate listed includes 0.50% APR discount. Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. All loans are subject to approval. Rates, terms, and conditions are subject to change.
3If credit score is 650 and above then you'll receive up to 90 days with no payment. If your credit score is 649 and below you'll receive up to 45 days with no payment.
Loan Payment Example: Payment Example: For a $25,000 loan for a term of 84 months with a 5.99% APR, the monthly payment will be $365.99