Loans FAQs (cont.)

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Frequently Asked Questions - Loans

Can I apply for an auto loan if I have not found the car I want yet?

Yes, we can get you pre-approved so you can shop with confidence. Visit a branch or call us at 602.631.3200 or 800.621.0287 (outside Maricopa County) to get started.

Do you offer extended warranty?

Yes, we do offer extended warranties for most passenger vehicles, even if your loan is financed with another lender. Click here for more information or call our Loan Department at 602.631.3290.

What insurance requirements do you have for auto loans?

You are required to have comprehensive and collision insurance coverage on your vehicle (car, motorcycle, UTV, ATV, etc.) with a maximum deductible of $1000 when you finance with Credit Union West.

Once you've completed your vehicle purchase, please contact your insurance provider to ensure adequate coverage and to update the lien holder's address to:

Credit Union West
P O Box 2405
Sioux City, IA 51106

We may ask for verification to complete your loan application. It's easy to upload and verify your insurance coverage online with MyInsuranceInfo.com. You may also call 1-800-523-6404 for assistance.

Do I get credit if the payoff balance is less than the GAP insurance is willing to pay?

GAP insurance simply covers the remaining balance after the insurance funds are received and will not pay out more than is owed.

Do you have financial calculators?

Yes, we have helpful and intuitive calculators to help you estimate loan payments, savings goals, loan payoff, debt acceleration and more. Click here to view all of our financial calculators.

If I get an auto loan through Credit Union West, do I have to purchase a car from an auto dealer?

We finance both auto dealer sales and private party sales. Visit our Vehicle Loans page to learn more.

If I have bad credit, can I qualify for an auto loan?

If you have had credit difficulties in the past, contact us or visit a branch. All of our branches have teams of friendly representatives trained in credit score review - helping you understand your credit report and offering tips on how to boost your score and which loan product may work for your specific situation.

Do you offer Auto Purchasing programs?

Yes, we're proud to partner with Costco to offer the Costco Auto Program to our members. Please click here to learn more.

Can I pay my loan payment with a credit card?

No. Effective October 1, 2023, loan payments can no longer be made with a credit card. This includes payments over the phone, at a branch, or by using our Pay Online feature.