Electric and Hybrid Vehicle Loans
Enjoy special auto financing options on electric and hybrid vehicles.
- Enjoy 1.00% off standard auto loan rates**
- Loan terms from 36 to 96 months
- Easy online application process
Find your perfect vehicle and apply for auto financing.
90th Anniversary Special Offers
- $90 deposit after loan funding!
- Plus, make no payments for 90 days!
Looking to purchase a new or used Electric or hybrid vehicle? Only Adventure offers discounted rates of 4.24% APR*. Finance less than 80% of your vehicle's value and we'll lower your rate an additional 0.50% APR*.
Working in your best interest.
View All RatesExclusive Rate Discounts
Get the lowest possible rate with Adventure!
- Save 1.00% APR when you choose a hybrid or electric vehicle*
- Save 0.50% APR* when you finance less than 80% of the vehicle's value
- Save 0.15% APR* with auto-pay from an Adventure Share
- Save 0.15% APR* when you meet activity requirements with an Adventure checking account***
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 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 a 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 to 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 Electric or Hybrid Vehicle 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
We're here to answer your questions.
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.
Outstanding customer service, the best I have ever experience!
*APR = Annual Percentage Rate. Rate valid as of
3/31/2026
, and subject to change without notice. Rate is based on creditworthiness and underwriting guidelines. Not all members will qualify for the lowest rate. At 5.49%, repayment schedule is 72 monthly payments of $16.33 per $1,000 borrowed.
Payment example: Loan amount of $20,000 at 5.49% APR for 72 months would have a monthly principal and interest payment of $326.66 for a total loan amount of $23,519.84.
**1.00% discount for EV and Hybrid vehicle is already reflected in the published rates.
***Usage Reward: Earn a 0.15% APR* rate discount for meeting the following usage requirements: (1) 10 debit card transactions within the last 30 days, (2) Membership enrolled in eStatements, and (3) $100 direct deposit or mobile deposit within the last 30 days.
There is no timeframe restrictions to qualify for auto-pay or usage rewards. The reward is good for the life of the loan. Rewards will be automatically applied to your loan. 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.