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    We’re pleased you’ve chosen Advancial as your financing solution! Please take a moment to read the information on this before beginning your application. If prompted, enter code complete

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    What You'll Need

    Before applying, please be sure to have the following identification and information ready:
     
    • Valid, unexpired U.S. government (Federal or State) issued photo ID
    • We will request that you upload a clear image of this during the application process
    • Social Security Number
    • Physical Address
    • Email Address & Phone Number
    • Employment & Income Information
    • Invoice/Reference Number provided by your merchant (optional)
    NOTE:  You must be 18 or over and a U.S. citizen to apply online.

    Important Information about Your Financing Request

    Advancial membership is required to receive financing. You do not need to be a member in order to apply. If your financing application is approved, we will create your membership account at the same time. Minimum monthly payments are required. Subject to credit approval.

    Need Help?

    Please call 972.521.0063 or email allen@advancial.org

    Open Monday-Friday 9:00 a.m. - 5:00 p.m., Saturday 9:00 a.m. - 1:00 p.m.

    How long will it take to pay off my credit card?

    Do the Math

    Important Credit Card Disclosures

    Visa® Rewards Plus
    Annual Percentage Rate (APR) for Purchases 0.00% for twelve billing cycles from the date of account opening. After that, your APR will be 9.90% to 16.90% based on your creditworthiness.
    APR for Balance Transfers

    0.00% Introductory APR for qualifying balance transfers for the first twelve months of the balance transfer1. After that, and for non-qualifying balance transfers, your APR will be 9.90% to 16.90%, based on your creditworthiness.

    APR for Cash Advances 9.90% to 16.90% based on your creditworthiness.
    Penalty APR and When It Applies Not Applicable
    Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
    Fees
    Annual Fee None
    Transaction Fees
     -Balance Transfer - Introductory
     -Balance Transfer - Standard
     -Cash Advance
     -Foreign Transaction

    None
    3% of amount
    3% of amount
    None
    Penalty Fees
     -Late Payment
     -Returned Payment

    Up to $10
    Up to $10

    Frequently Asked Questions about Advancial's Customer Financing Program

    10% Credit Card Balance Transfer Terms and Conditions: Introductory balance transfer offer must be used within the first 12 months after account opening and is available for a single balance transfer request. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into a single 0% balance transfer request, but the balance transfers must be requested at the same time. If you do not pay off a 0% balance transfer balance within twelve months of the transfer, the remaining balance will then be subject to the Standard Rate. Balance transfers performed after the initial introductory offer will incur the same APR as the account and will incur a 3% balance transfer fee, unless otherwise stated in a separate promotional offer.
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