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    Classic Car Loans

    Have you had your eye on a classic car that is 25 years or older? We can help.

    Apply Now See Our Rates

    Need to finance the perfect classic car you've always wanted?

    We love the classics and know that financing for them can be hard to find, so we developed our classic cars program to make it easier for members to get the wheels they want and ride off into the sunset with easy and affordable financing options.

     

    Flexible terms up to 84 months1

    Fixed rates and monthly payments1

    Discounted rate when you sign up for automatic payments

    Auto Loans

    Whether you're on the market for a new or used car, or looking to refinance, we have the best rates and the right loan for you.
     
    • Same rates for new, used, or refinance
    • Finance up to 100% of vehicle's MSRP
    • Discounted rates when you sign up for automatic payments
    • Fixed rates & payments
    • Flexible terms
    Learn More

    Auto Calculators

    Crunch the numbers and find out which of our auto financing options is best for you. 
    • Compare monthly payment by term
    • Compare two vehicle loans
    • How much vehicle can I afford?
    • Should I go for the low rate or cash back?
    • Should I lease or purchase a vehicle?
    • What would my auto loan payments be?
    Do the Math

    Frequently Asked Questions about Classic Car Loans
    No, you do not need a savings account to apply for a loan. If your loan is approved, we will open a savings account for you during the loan process. You must make an initial $5 deposit into your savings account upon opening.
    Call 800.322.2709 to speak to a Member Service Representative to check the status of your loan application.  
    The payoff amounts will be listed in the Account Detail screen in cuAnywhere® Online Banking and the Advancial Mobile App for each loan.  
    You can make your loan payments through cuAnywhere® Online Banking and the Advancial Mobile App. You can also make a one-time payment online without having to log in.

    For cuAnywhere and the Advancial Mobile App:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Payments > Pay My Loan or Credit Card
    3. If making your payment using an external account, you can add that information under the Manage Payment Sources section
    4. Select whether you’d like to make you payment from an Advancial or external account and follow the provided steps
    5. If you’d like to set up recurring payments, select Monthly for the Payment Frequency option
    6. Click Submit
    To make a one-time payment:
    1. Go to advancial.org
    2. Select the round Pay button next to the cuAnywhere Online Banking log in on the home page
    3. Enter your account number and the last 4 digits of your Social Security Number.
    4. Select Continue
    5. Enter your payment details  
    If you pay off your auto loan, Advancial will release the lien on the vehicle with your state of residence. The state will then process that release of lien and send you the title between 4-6 weeks after your pay off date. Due to varying policies and procedures between each state, we can’t say for sure how long it will take for the title to be sent to you.
     
    If you trade in your vehicle and pay off your loan as a result, there’s nothing left for you to do! We’ll work with the dealer on everything else.
     
    If you are in an accident and the vehicle is paid off as a result of your insurance or GAP coverage, we’ll work with those respective companies directly.
     
    You may mail checks payable to:
    Advancial Federal Credit Union
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  
     
    You must be a member of Advancial in order to finance your loan. The savings account is considered your membership account and provides you with full access to our products and services.
    Follow these steps to avoid CPI:
    1. Obtain insurance for your new vehicle from your agent.
    2. Ask your insurance agent to send a Declarations Page to Advancial at the address below. This document will usually have all of the necessary information needed to show proof of insurance coverage.
    3. Use the Insurance Verification Checklist below to ensure the documents you send have the necessary information.
    4. If you have a Break in Coverage, when your insurance policy cancels, you must gain new coverage within 30 days of the previous policy’s cancellation date.
    Mail to:
    Advancial Federal Credit Union
    Attn: Vehicle Insurance
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  


    Insurance Verification Checklist:
    • Proof of full coverage (comprehensive and collision) with the Vehicle Identification Number (VIN)
    • Deductibles of $1,000.00 or less 
    • All borrowers listed on the loan should be named as drivers on the policy
    • Advancial listed as lienholder/loss payee
    Do not only send a copy of your liability card. A liability card does not contain the information needed to avoid CPI.
     
    If we do not receive proper proof of insurance, CPI is added to the loan. There is a flat rate of $65 per month, regardless of the member's loan balance. The loan payment is not increased, but the term of the loan could be extended depending on how many months CPI has been applied. If the address on file is current, the member will receive two letters and a policy in the mail before CPI is initially added to the loan. Two letters are subsequently mailed each month before the next monthly premium is added.  
    You must carry comprehensive and collision insurance with deductibles of $1,000.00 or less. Furthermore, Advancial must be listed as a lienholder on the policy.  
    CPI stands for Collateral Protection Insurance. If there is a loan associated with your vehicle, you are required to carry full coverage insurance in the event the vehicle is damaged. If proper proof of insurance is not provided within the allotted time period, a CPI premium may be applied to a member's loan balance.   
    Any loan that requires collateral. This includes, but is not limited to:
    • Vehicles
    • Motorcycles
    • RVs
    • Motorhomes
    • Boats
    • 5th Wheels
    • Travel trailers
    • Campers
    • Airplanes and aircrafts

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