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Buying a car involves more than securing financing. From finding your perfect match to protecting your investment, a little research goes a long way! There are many things you can before and after you buy to ensure things go smoothly, and Spectrum Credit Union is here for you every step of the way.

We share resources to help you find a great deal and partnerships to help you save money too.

Before you purchase

Do your research with Kelley Blue Book
If you’re still in the early phases of car shopping, Kelley Blue Book can help you narrow your search with its advanced Car Finder tool. If you’re further along in the car shopping process, Kelley Blue Book can help you determine the true value of your new or used vehicle before you buy (or sell). Visit kbb.com for expert advice and peace of mind that you’re getting a great deal.

Get pre-approved for an auto loan
Getting pre-approved for your auto loan is simple. Click here to apply online before you begin car shopping. To speak with a customer service representative, stop by your local Spectrum Credit Union branch, or give us a call at 800-782-8782. For those outside the U.S., please call 510-251-6000.

Discounts to help you protect your vehicle

Spectrum Credit Union could help you save on auto insurance
If you haven't gotten a quote lately, your credit union membership could help you save through the TruStage™ Auto & Home Insurance Program.

TruStage™ Auto & Home Insurance Program combines options to help you save with popular, member friendly benefits:

  • Work with licensed insurance professionals within your state
  • Get competitive rates, great service, and diverse vehicle insurance options through national providers
  • Personalized service with extended hours

Get a free quote today. Don’t wait to see how much you could save.

Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage

AUT-2948958.4-0924-1026

Guaranteed Asset Protection (GAP)3
If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may help make up the difference.

Essential financial protection on your vehicle loan that helps you drive with confidence. Talk to Spectrum Credit Union today about how we can help protect you from sudden out-of-pocket expenses with GAP.

Mechanical Repair Coverage (MRC)
A breakdown can be troubling enough without the added worry of expensive repairs.
The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs.

Contact your branch for more information.


1 Discount varies by state.

GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee. 

© TruStage, GAP-3415621.3-0124-0226  

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

 

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.