<PAGE> 1
Pricing Supplement dated January 22, 1997 Rule 424(b)(3)
(To Prospectus dated July 8, 1996 and File No. 333-05701
Prospectus Supplement dated October 30, 1996)
ADVANTA CORP.
MEDIUM-TERM NOTES, SERIES D - FIXED RATE
<TABLE>
<CAPTION>
<S> <C>
============================================================================================
Principal Amount: $11,500,000 Interest Rate: 6.574%
Agent's Discount or Commission: $34,500 Stated Maturity Date: 01/27/2000
Net Proceeds to Issuer: $11,465,500 Original Issue Date: 01/27/97
Issue Price: 100% Trade Date: 01/22/97
================================================================================
Interest Payment Dates: July 27, 1997 and the Cusip No.: 00756QDD7
27th day of each January
and July thereafter
</TABLE>
Day Count Convention:
[X] 30/360 for the period from 01/27/97 to 01/26/2000
[ ] Actual/360 for the period from to
[ ] Actual/Actual for the period from to
Redemption:
[X] The Notes cannot be redeemed prior to the Stated Maturity Date.
[ ] The Notes may be redeemed prior to the Stated Maturity Date.
Initial Redemption Date:
Initial Redemption Percentage:
Annual Redemption Percentage Reduction: ____% until Redemption
Percentage is 100% of the principal amount.
Optional Repayment:
[X] The Notes cannot be repaid prior to the Stated Maturity Date.
[ ] The Notes can be repaid prior to the Stated Maturity Date at
the option of the holder of the Notes.
Option Repayment Dates:
Repayment Price: ____%
Currency:
Specified Currency: United States Dollars
(If other than U.S. dollars, see attached)
Minimum Denominations:
(Applicable only if Specified Currency is other than U.S. dollars)
Original Issue Discount:
[ ] Yes [X] No
Total Amount of OID:
Yield to Maturity:
Initial Accrual Period:
<PAGE> 2
Form:
[X] Book Entry [ ] Certificated
Agent acting in the capacity as indicated below:
[X] Agent [ ] Principal
If as Principal:
[ ] The Notes are being offered at varying prices related to
prevailing market prices at the time of resale.
[ ] The Notes are being offered at a fixed initial public
offering price of ____% of principal amount.
If as Agent:
The Notes are being offered at a fixed initial public offering price
of 100% of principal amount.
[X] Other Provisions: Prudential Securities Incorporated
[ ] Salomon Brothers Inc
[ ] Bear, Stearns & Co. Inc.
[ ] CS First Boston
[ ] Donaldson, Lufkin & Jenrette
Securities Corporation
[ ] Merrill Lynch & Co.
