Advancial Credit Union is a full service institution offering a wide variety of products that cover the full financial spectrum. Advancial has branches in Texas, Louisiana, Oklahoma, New Jersey, and Alaska. It is headquartered in Dallas, but also has shared branches in all 50 states.
Auto Loans and Leases through Advancial
Advancial auto loans are available to individuals with a wide range of credit scores. They offers loan terms between 36 and 75 months. The 75 month loans are only available for vehicles with a purchase price in excess of $20,000. Advancial car loans have an interest rate that begins at 2.49 percent. The interest rate that you will be offered is directly tied to your credit score and the prime rate at the time of your application. Consumers who opt for auto-pay receive an additional rate discount of 1/5%, and up to 100% of a vehicle’s purchase price can be financed.
Interestingly enough, Advancial also offers leases through D&M Leasing. Mileage caps are 15,000 miles per year, and average payments are 25-35% lower than they would be for a comparable vehicle if financed. Qualified consumers can secure a lease with zero money down.
While Advancial will consider offering a loan to a wide range of credit scores, you must meet certain minimum guidelines. These guidelines may include that you: have a valid driver’s license, proof of employment, proof of full coverage insurance on the vehicle under consideration, and submit to a credit check.
Advancial’s current direction is:
”To anticipate the needs of its users by providing timely, unbiased and intimate financial advice and a full array of technology-enabled products and services that deliver exceptional value. Since Advancial’s foundation the ability to provide high level service to members has relied on technological advancements. Over the years Advancial’s product offering has been most impacted by technology and starting in the 1970’s and 1980’s Advancial was able to provide a wider range of products and services to provide fast and easy banking to members.”
If you would like to further explore an Advancial auto loan, you can apply on line or by contacting Member Services at 1-800- 322-2709. If you would like to contact Advancial by mail, the address is:
Advancial Credit Union
1845 Woodall Rodgers Fwy Suite 1300
Dallas, TX 75201