Vehicle Loans



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Current Vehicle Rates - Vehicle Loan Application - Loan Calculator - N.A.D.A. Values - CCCU Dealerships

Community Choice Credit Union has a vehicle loan package that can't be beat! Loans are available for new and used cars, trucks, recreational vehicles, boats, motor homes, motorcycles, and mobile homes.

Get pre-approved and know exactly how much you can spend. It's almost as good as paying cash, and you'll have increased bargaining power at the dealership.


Guaranteed Asset Protection (GAP) Advantage

“GAP” is the deficiency balance between your outstanding loan balance and the actual cash value of the vehicle.

Guaranteed Asset Protection Advantage (also known as “GAP”) was designed to relieve you of the remaining loan balance that your primary insurance carrier doesn’t cover in case your vehicle is stolen or totaled in an accident and can’t be repaired. “GAP” is not insurance but a one time fee that can be added to your loan that cost’s less than $9 per month. The value of your vehicle rapidly declines once it’s driven off the lot; that should give you peace of mind knowing that your investment is covered in case anything would happen.

Features of GAP include:

  • Coverage for the term of a loan, up to 72 months.
  • Coverage for vehicles valued up to $100,000 at time of purchase.
  • Payment of benefits up to $50,000.
  • Coverage deductibles up to $1,000.
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.
  • $1,000 down payment credit toward a replacement vehicle. *
  • Fully refundable in the first 60 days.

The following is a typical example of how GAP Advantage could work for you:

Insurance Settlement:


Vehicle (Actual Cash Value)


Insurance Deductible


Insurance Settlement




Loan Settlement:


Original Purchase Price:


Outstanding Loan Balance:


Insurance Settlement:


Deficiency Balance:




GAP Coverage Amount:
*Including the $1,000 credit toward   replacement vehicle


* The $1,000 replacement credit is giving only if the replacement vehicle is financed through CCCU. For complete details contact a loan officer at any of our six credit union locations.

Mechanical Repair (Auto Warranty)


In many cases, new vehicles are purchased for the peace of mind that a manufacturer's warranty is provided. However, most new car warranties expire at 36 months or 36,000 miles.

If you can't justify new car prices you may purchase a used vehicle that may or may not carry a warranty. One major repair, not under warranty, can turn a used car bargain into a bad investment. That’s why CCCU is proud to provide you with Route 66 Extended Warranty.

Route 66 Extended Warranty was designed to cover most vehicles* regardless of year and mileage. You can have peace of mind knowing that you can travel anywhere in the United States and be protected against major mechanical expenses with NO DEDUCTIBLE on covered parts or labor. Depending on the year and mileage of your vehicle the system will pick the right package for you at competitive prices.  All packages include:

  • 24 Hour Roadside Assistance
    • Towing
    • Flat Tire Assistance
    • Fuel and Fluid Delivery
    • Lock-out Service
    • Safe and Secure Package
    • Battery Jump Starting
    • Minor Adjustments

  • Rental Car Reimbursement
    *Depending on what package you have will determine the maximum
    paid out for the rental.

*The following vehicles are excluded from the Easy Street and Main Street Packages Audi, Corvette, Land Rover, Saab, Jaguar, Porsche, All Exotics Mercedes (except C & E Class), BMW Series 6, 7, 8, X, Z&M.

For details, contact a loan officer at any of our six credit union locations.