Auto Loans and Motorcycle Loans
Get rolling in Michigan with an auto loan
- Everyone is welcome to apply
- Easy application and fast approvals
- Save money with Rate Rewards
Find your perfect vehicle and apply for auto financing.
Whether you're driving across town or the country, we believe you deserve a reliable vehicle to get you there. Whether you are looking to purchase or refinance a car, truck, or motorcycle, our Auto Loan Specialists are ready to help!
If you haven't decided on a vehicle yet
- Get started by applying online, over the phone, or in person and receive a pre-approval.
- Go car shopping! We make it easy to check out cars and connect with local dealers with AutoSmart. You can close at any of the many dealerships we partner with across Michigan (no need to come into the branch).
If you have already decided on a vehicle
- Get started by submitting an auto loan application online
- Once your loan application is approved, we'll work with the car dealership on your behalf to pay for the vehicle.
- You pick up the vehicle, and your first car loan payment will be due to Adventure in 30 to 45 days.
We make the auto loan process stress-free and affordable for members in Grand Rapids, Lansing, and other parts of Michigan.
Earn Rate Rewards on your auto loan by completing these everyday activities with an Adventure checking account.
Auto Pay Reward*
0.15% APR* rate discount for setting up an automatic payment from an Adventure share.
Usage Reward*
0.15% APR* rate discount for meeting the following usage requirements:
- 10 debit card transactions within the last 30 days
- Membership enrolled in eStatements
- $100 direct deposit or mobile deposit within the last 30 days
If you meet both requirements you can lower the interest rate on most new loans by .30% APR*! There are no timeframe restrictions to qualify, and the Rate Reward is good for the life of the loan. Rewards will be automatically applied to your loan.
*APR = Annual Percentage Rate. Not valid on all loans, ask an Adventure team member for more information. These Rate Rewards are a one-time discount and available only for loans opened after 10/5/2020. Loan payment will not change, discount impacts the interest that is being applied to the loan. Rate Rewards will be applied to loans automatically.
Borrowers may choose to protect their investment in a new vehicle by purchasing Guaranteed Asset Protection (GAP) on their Adventure auto or motorcycle loan:
If you're interested in adding GAP protection to any new or existing Adventure Credit Union auto or motorcycle loan, please call or text one of our Trusted Financial Guides at 800.323.2129.
A new vehicle is such a pleasure, but the second you drive it off the lot, it begins to lose value.
If your car is wrecked or stolen, you may owe more on your loan than what insurance will pay you.
That gap could be thousands of dollars. That’s where guaranteed asset protection or gap from your credit union comes in.
It may reduce or eliminate the gap and puts you back where you belong in the driver’s seat. Click or call for a great rate on gap today.
Borrowers may choose to purchase Debt Protection coverage on their vehicle loan. Watch the 30-second video below to learn about the benefits of this optional coverage.
If you're interested in adding Debt Protection to any new or existing Adventure Credit Union Loan, please call or text one of our Trusted Financial Guides at 800.323.2129.
If you’re like most people, your job and paycheck are the foundation of your family’s financial wellbeing. Trouble is, life can be unpredictable.
If you’re unable to work, will your existing coverage be enough or worse- will your spouse or partner be able to keep up with household debts and bills in the event of your unexpected death?
It is possible to plan for the unexpected.
Debt protection is a program that cancels your loan payments or balance up to your agreement terms and maximums in the event of involuntary unemployment, disability, or death.
Contact your credit union about debt protection options today.
If you are not yet a member of Adventure Credit Union, you are still welcome to apply for an auto or motorcycle loan. If your loan application is approved, you will need to join the credit union before your loan can be disbursed. Don't worry, we'll walk you through the process, and it only requires a $5 deposit in your new share account.
Membership at Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the State of Michigan.
Have questions for us?
Click the "Chat with Us!" button or text us at 800.323.2129 between 9am - 5pm, Monday - Friday. After-hours, please call us at 800.323.2129.
How do I join?
If you are seeking an auto or motorcycle loan, we suggest following these steps.
- Apply for your loan
- Wait for us to respond via email
- We'll walk you through opening your new membership
Even if your loan application is denied, you're still welcome to apply for membership at Adventure Credit Union.
Working in your best interest.
View All RatesSpecial rates for eco-friendly vehicles.
Frequently Asked Questions
You do not need to have an account or be a member to apply for a loan with the credit union. If your loan is approved, an account will be opened for you as part of the loan process. Ready to start your application? Visit here.
The time to close on a loan can depend on a lot of factors including the type of loan. For more information and a potential timeframe estimate we suggest connecting with one of our lending specialists. Give us a call at 800-323-2129 option 4.
Yes! We are happy to help you with refinancing a loan from a competing financial institution. We love to help our members secure a lower monthly payment, a lower interest rate, or both. Apply for a loan online.
Adventure Credit Union offers several convenient options for making a loan payment - you can make a payment through online banking, by calling us at 800-323-2129 option 6, or by visiting a branch near you! Some fees may apply. Find a location near you.
You can use Adventure's Online Banking site or Mobile Banking App to set up a one time or recurring loan payment from an outside bank or credit union. After logging into your digital banking account, click the "Make Payment" button on your loan. Click the "From Account" option and choose "Add New External Account." From there, follow the prompts to link your external account and create the payment.
Adventure's Skip-A-Pay service allows qualified members the option to pay a $35 fee to skip their normal monthly loan payment up to twice a year (max 2 skips per rolling 12 months).
You can complete the form in Digital Banking, after logging in, any eligible loans will appear in the “Skip-A-Pay” widget on the “My Accounts” screen. Simply click the “Skip” button and follow the prompts. You can also stop into your local branch to process your Skip-A-Pay. Not sure if your loan is qualified? Give us a call or text us at 800-323-2129 or stop into your local branch.
Friendly, knowledgeable and got the job done quickly and efficiently. Highly recommended!!
*APR = Annual Percentage Rate. Rate valid as of 4/1/2026 , and subject to change without notice. Rate is based on creditworthiness and underwriting guidelines. Not all members will qualify for the lowest rate. At 6.49%, repayment schedule is 72 monthly payments of $16.81 per $1,000 borrowed. Payment example: Loan amount of $20,000 at 6.49% APR for 72 months would have a monthly principal and interest payment of $336.10 for a total loan amount of $24,199.49.