Auto Loans and Motorcycle Loans

Get rolling in Michigan with auto loan rates as low as 6.99% APR.

  • Adventure Exclusives
    Adventure Exclusives

    Take advantage of our exclusive Rate Rewards and Ready to Drive programs.

  • Easy Application
    Easy Application

    Complete our secure online application in minutes!

  • Everyone is Welcome
    Everyone is Welcome

    Everyone is welcome to apply for a loan

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Financing Your Next Car, Truck, SUV Or Motorcycle Through Adventure

Get On The Road Faster.

Need a vehicle loan for a new car, truck, SUV or motorcycle? Start with Adventure Credit Union. We'll get you preapproved quickly so you know your budget and can negotiate your final price. We make the process stress-free and affordable for members in Grand Rapids, Lansing and other parts of Michigan.

Whether you're buying a new or used vehicle, or looking to refinance, we offer various terms and rates that fit your lifestyle. We're eager to help, and you'll appreciate the savings and swiftness of the application and preapproval process. Explore our low motorcycle and credit union auto loan rates below.

Use these valuable tools to make good decisions about buying a new vehicle or refinancing your current auto loan.

Get Rate Rewards on your next loan by doing these everyday actions on your checking and savings accounts!

AutoPay 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 is 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.

With our new Ready to Drive program, financing a new or used vehicle is as easy as 1, 2, 3:

1. Submit an auto loan application for the maximum amount you’re interested in spending on your vehicle purchase.

2. Once your application is approved, we will set up an appointment for you to sign your loan documents and pick up an ‘Express Check.’

3. Go shopping! Take your ‘Express Check’ to any dealership and purchase any vehicle that is priced at or below your approved loan amount.

Borrowers may chose to purchase 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 800.323.21299.  You can also use our live chat feature during business hours.

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 800.323.21299.  You can also use our live chat feature during business hours.

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 to your new share account.

Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

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.

Who is Adventure Credit Union?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us offer low interest rates on our Holiday Loans and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


How do I join?

If you are seeking an auto or motorcycle loan, we suggest following these steps.

  1. Apply for your loan
  2. Wait for us to respond via email
  3. 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.

Apply Now

Remember, you are welcome to apply for an auto or motorcycle loan before joining the credit union!