Personal Loans
to Fund Your Next Adventure
Cover your next adventure or life’s unexpected surprises with help from your neighbors at Advantage Plus.
Choose a Loan for Your Next Move
Whether you’re hitting the road in a new car or RV, consolidating debt, or making home improvements, Advantage Plus offers flexible personal loans in Idaho and Star Valley, Wyoming, to match your needs.
| Auto Loans | RV Loans | Personal Lines of Credit | Signature Loans | |
|---|---|---|---|---|
| Best For | Buying or refinancing vehicles | Financing RVs, motorcycles, boats, and more | Ongoing or variable cash needs | One-time expenses or debt consolidation |
| Term Length | Up to 8 years | Up to 8 years | Flexible | Varies |
| Financing | Up to 100% | Up to 100% | Based on the approved limit | Fixed amount |
| Credit Requirements | Standard credit approval | Standard credit approval | Standard credit approval | Strong credit history |
| Special Features | Pre-qualification and refinancing available | Flexible terms for large purchases | Pay interest only on what you use | Fast access to build credit |
| Apply Now | Apply Now | Apply Now | Apply Now |
Auto Loans
- Best For: Buying or refinancing vehicles
- Term Length: Up to 8 years
- Financing: Up to 100%
- Credit Requirements: Standard credit approval
- Special Features: Pre-qualification and refinancing available
RV Loans
- Best For: Financing RVs, motorcycles, boats, and more
- Term Length: Up to 8 years
- Financing: Up to 100%
- Credit Requirements: Standard credit approval
- Special Features: Flexible terms for large purchases
Personal Lines of Credit
- Best For: Ongoing or variable cash needs
- Term Length: Flexible
- Financing: Based on the approved limit
- Credit Requirements: Standard credit approval
- Special Features: Pay interest only on what you use
Signature Loans
- Best For: One-time expenses or debt consolidation
- Term Length: Varies
- Financing: Fixed amount
- Credit Requirements: Strong credit history
- Special Features: Fast access to build credit
How to Qualify
Qualifying for a personal loan from Advantage Plus is quick and simple. Here’s all you need:
Proof of income and employment info (signature and lines of credit)
Driver’s license (all loans)
Vehicle information and insurance coverage (auto and RV only)
Credit history (signature and lines of credit)
Purpose of loan (signature and lines of credit)
Add-On Coverage
Ask us about how you can protect your personal loan with optional coverage for life’s unexpected moments.
Protect Your Loan, Protect Your Family
Give your loved ones peace of mind with loan protection from Advantage Plus. You can add coverage to your loan with no extra payments and flexible, low-rate terms until it’s fully paid off.
Drive Confidently, Covered Mile by Mile
At Advantage Plus, we offer optional coverage you can apply for with our auto and RV loans, so you can stay safe on the road.
Guaranteed Asset Protection (GAP)
If your car or RV is totaled or stolen, GAP covers the “gap” between your insurance payout and your loan balance, potentially saving you thousands. Affordable and hassle-free, there’s no underwriting, and your fee is fully refundable if canceled within 90 days. Sign up when you apply for your loan.
What You’ll Love
- Pays your insurance deductible
- Automatically covers the remaining loan balance
- Puts $1,000 toward your next vehicle if financed with Advantage Plus
- Doesn’t incur out-of-pocket costs
- Charges one low annual fee of $349, which can be added to your loan
- Doesn’t increase your loan rate
Mechanical Breakdown Protection (MBP)
Car repairs are expensive and unpredictable. Mechanical breakdown protection (MBP) protects your ride and your wallet, giving you peace of mind on the road.
What You’ll Love
- Helps cover the cost of major repairs
- Reduces out-of-pocket expenses for unexpected issues
- Can be added to your loan for convenience
- Gives confidence knowing you’re protected from breakdown surprises
- One simple fee with no ongoing payments
Extended Warranty
Extend your vehicle’s factory warranty and avoid costly repair bills with Automotive Solid Gold Protection.
What You’ll Love
- Nationwide coverage for repairs and service
- Available for both new and pre-owned vehicles
- 24-hour roadside assistance
- Rental vehicle support
- Tire road hazard protection and trip interruption coverage
- Transferable if you sell your vehicle before the plan ends
- Boosts your vehicle’s resale value
- Fully insured program with direct payment to repair facilities
- One deductible per visit
- Three plan options to fit your needs
Need to Make a Claim?
Call the Claims Authorization Number at (800) 654-8455.
Auto Buying & Discounts
Want to learn more about your vehicle or find great auto discounts? Here are a few tools and resources we recommend:
Kelly Blue Book
Check a car’s value before taking it for a test drive.
CARFAX®
Discover if a vehicle has been in an accident before you drive off the lot.
Invest in America (for RV Buyers)
Save thousands on select new GM vehicles and boost your savings when you finance with Advantage Plus.
Reward Your Spending with Mastercard®
Earn rewards with a personal or business Mastercard credit card from Advantage Plus. Enjoy competitive rates, rewards programs, credit rebuilder options, and flexible access to funds — so you can find the right card for your money style.
Get the Funds You Need, Fast, With Advantage Plus
Need a new car for work or cash to cover the bills between paychecks? Apply for a personal loan or Mastercard credit card today and get funds quickly from neighbors you trust.
Get Pre-Approved
Find out how much you can borrow without a mark on your credit score.
Shop With Confidence
Compare signature and auto loan rates to find one that fits your needs.
Submit Your Application
Complete your application online or at a local branch with our team’s guidance.
Get Your Funds
Receive your loan quickly via direct deposit, check, or in-branch.
Personal Loans Frequently Asked Questions
What is the difference between pre-qualification and pre-approval?
Pre-qualification gives you an estimate of how much money you can borrow and doesn’t impact your credit score. Pre-approval is a more formal process in which lenders verify your income, credit, and financial information to extend a loan offer.
How much can I finance with a personal loan?
With a personal loan from Advantage Plus, you can finance up to 100%, depending on your creditworthiness.
What credit score do I need to qualify for a personal loan?
You need a credit score of at least 580 to qualify for most personal loans.
Can I refinance my existing auto or RV loan?
Yes, you can refinance your existing auto or RV loan with Advantage Plus.
What are the benefits of a line of credit vs. a signature loan?
The speed of the loan approval process depends on the type of loan and your application, but most loans are often approved the same day.
How do I access my line of credit funds?
Once you’re approved, you can access your line of credit via phone, check, or a linked debit card.