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Hit the road with help from your Idaho neighbors. Stop by Advantage Plus FCU before visiting the dealership to get pre-approved.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • Excellent rates for new and used daily drivers and recreational vehicles
  • Up to 100% financing
  • Terms up to 8 years
  • Pre-qualification available for increased buying power
  • Refinance your current vehicle to secure a potentially lower rate
  • Loan protection available for added security
  • Local decision making for a fast and easy approval process
  • Unsurpassed personal service
  • Various coverage options available after vehicle is purchased

Guaranteed Asset Protection (GAP) can save you big time!

Most cars depreciate by thousands of dollars as soon as they roll off the lot. But if your vehicle is damaged beyond repair or stolen, you are still liable to pay the difference, or "gap," between your insurance settlement and your loan balance.

Unless you have GAP.

GAP is an affordable coverage that could save you thousands of dollars. You can sign up when you apply for your vehicle loan with Advantage Plus Credit Union. There is no underwriting, no red tape, no hassles. If you change your mind, your fee is fully refundable if you cancel in the first 90 days.

Features & Benefits:

  • Pays deductible on insurance policy
  • Balance of loan is automatically paid off
  • Pays $1,000 toward purchase of another vehicle if loan is financed with us
  • No out of pocket expenses
  • One low fee of $525 annually that can be rolled into your auto payments
  • Does not increase loan rate

Extended Warranty

You can extend your vehicle's factory warranty with Automotive Solid Gold Protection. This optional coverage can help you avoid costly repair bills.

  • Nationwide protection
  • Available on new and pre-owned vehicles
  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Tire road hazard protection and trip interruption coverage
  • Coverage is transferable if you sell vehicle before agreement expires
  • Increased resale value
  • Fully insured program
  • Direct payment to repair facility
  • One deductible per visit
  • 3 plans to choose from

Need to make a claim? Call the Claims Authorization Number at 1-800-752-6265.

Automotive Solid Gold Protection Plans are insured by American Mercury Insurance Company, a member of the Mercury Insurance Group.

Kelly Blue Book

Be informed about the value of your car and more.

Learn more.


CARFAX can help you determine if the vehicle you plan to buy has been in an accident.

Learn more

AskAuto™ app

The AskAuto™ app rides along on your car shopping and buying experience by offering vehicle information and loan application assistance. As a participating credit union member, you can easily compare vehicles you find on the dealer lot, get information on loans, and submit a loan application – all from your mobile device. The AskAuto™ app pulls vehicle information like the average cost of a new or used car, EPA mileage estimates and more. Then, you can rank, compare and make notes on cars you've scanned. Plus, you can elect to receive messages from your credit union with loan offers and guidance and get them while you're shopping on the dealer lot. It's this simple: scan, compare and submit.


Scan the VIN numbers of cars you're interested in to receive key vehicle information right at your fingertips. The AskAuto™ app will help you shop and buy smart. 


Compare vehicles you find on dealer's lots, rank your favorites and take notes on each as you shop for your dream car. The AskAuto™ app pulls basic information about the vehicles you're interested in and allows you to rank and compare your favorites. 


Submit an auto loan application to our credit union - either to pre-qualify or once you've found your dream car. Advantage Plus Federal Credit Union can give you advice on the best path to loan application for you.

If you're ready to buy a car, take the AskAuto™ app for a spin. With powerful information in your hands, applying for an auto loan with Advantage Plus Federal Credit Union is easier than ever. 

After downloading and opening the AskAuto™ app, you'll have the chance to choose Advantage Plus Federal Credit Union to personalize the app. Be sure to select Advantage Plus FCU on the app's startup screen.

Download app for Apple® or Android™.