Vehicle Loan plus Visa Preselected Offer - Individual Applicant

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Account Closure Form
Written Statement of Unauthorized Debit (ACH)
ACH Recurring Authorization Agreement
ACH Stop Payment
Add Credit Card Authorized User(s)
Affidavit of Check Forgery
Auto or Solar Loan Rate Modification
Certificate Account Renewal
Certification of Trust by Trustee(s)
Corporate Partners
Corporate Sponsors
Courtesy Pay Service Application
Credit Card Balance Transfer
ESA Contribution
Employer Direct Deposit
Fixed-Option HELOC
HELOC Electronic Access Request
Instant Pay Dispute Form
IRA/ESA Automatic Contribution
IRA/ESA Automatic Contribution Cancellation
IRA Contribution Form
Member Feedback
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Membership Application and Account Card
Mortgage Rate Modification
Overdraft Coverage
Personal Emergency Loans
Power of Attorney (POA)
Rate Modification
Redemption Authorization
Substitute Check Recredit Claim
Transaction Card
Transfer Funds to Star One
Update Contact Information

Yes, I accept Star One's offer of a vehicle loan, plus a Visa Signature Rewards Card!

Individual applicant

Member name*

Member number*

Credit line desired*

Requested credit line ($)*

Total annual income ($)*

Email Address*

Contact phone number*

Balance transfers

I would like to transfer balances from another credit card to my new Star One Visa card*

No Yes

Transfer amount ($)

Creditor name

Card # to be paid

Creditor phone

Creditor address

By submitting this balance transfer form, I authorize you to pay credit card balances at other financial institutions or credit card companies and bill my Star One Visa Account in the amount(s) indicated above. I understand that the balance transfer request(s) are processed as Cash Advances according to the terms of my Star One Visa Credit Card Agreement and are subject to credit availability and my qualification as a member in good standing. FINANCE CHARGES will be assessed from the day each balance transfer is posted as a Cash Advance to my Star One Visa credit card account. I understand that you will advise me if you are unable to process my request for any reason. I understand that my request to pay off the credit card balances with other creditors may take up to 30 (thirty) days. I understand that you will process balance transfers in any order you choose, subject to my available credit line. I understand that you will not be responsible for any charges billed to me for the account(s) indicated. I understand that I should continue to make my monthly payments to each creditor until the balance transfer appears as a credit on the account(s). If I transfer an amount for a transaction dispute, I may lose my rights against the other creditor. I understand that balance transfers must not include requests to pay down or pay off any of my loan accounts with Star One.

Additional authorized users

I would like to add additonal authorized users*

No Yes

Additional authorized user #1

Name

Date of birth

Address

Additional authorized user #2

Name

Date of birth

Address

Choose your loan and vehicle

Important Notes:
Please instruct your insurance agent to fax or send Star One an insurance binder and/or policy showing Star One Credit Union as loss payee. The maximum deductible allowable is $1,000. Our fax number is (408) 543-5203 Attn: Consumer Loan Services.

Please fax or send Star One a copy of the dealer's auto purchase order along with proof of insurance. If you are purchasing through a private party, please call us for further instructions.

Vehicle loan amount (1) $

For a loan exceeding your preapproved amount, use this application instead.

Loan type

Purchase Refinance

Vehicle year (2)

Make

Condition

New Used

Model

1. Subject to the terms herein, this firm offer of credit preapproves you for at least $10,000 of credit and is valid until December 31, 2025.

2. Vehicle value will be required to determine maximum amount financed, not to exceed your preapproved amount.

** This offer is part of a firm offer of credit and is conditioned on your continuing to meet the criteria used to prescreen this offer and on your verification of annual income equal to or greater than twice the preapproved amount. Verification of income could be satisfied by providing a current paystub, and/or retirement statement and/or income tax return. Information included on your consumer credit report was used in connection with this solicitation. You received this offer by satisfying criteria for creditworthiness as established by Star One Credit Union. If applicable, credit may not be extended if, after you respond, it is determined that you do not meet the criteria used for screening or any applicable criteria bearing on creditworthiness such as income verification. All accounts with Star One must be in good standing and proof of income is required for this offer. Higher loan amounts may require a credit application.

Build your vehicle loan

Repayment term

Repayment frequency

Repayment method

Add Debt Protection with Life Plus (3) Add Guaranteed Auto Protection (4) Add Major Mechanical Protection (5)

(3) Debt Protection with Life Plus

Your financial safeguard against the unexpected

Life can take some unexpected turns. That’s why there’s Debt Protection with Life Plus.

Financial Protection for the unexpected – protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events:

Involuntary unemployment
Disability
Death

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

Accidental dismemberment
Terminal illness
Hospitalization or family medical leave
Death of a non-protected dependent

Things to know about Debt Protection with Life Plus

It’s easy: Simple to apply for.
It’s budget-friendly: Comfortably fits into your monthly payment.
It puts you at ease: Rest easy, knowing you’re taken care of in so many problem situations.

Take an important step toward financial security.
Ask us about Debt Protection with Life Plus today.

Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.

Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

(4) Guaranteed Auto Protection

Guaranteed Asset Protection (GAP) with PowerBuy covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were to be damaged beyond repair ("totaled") or stolen and never recovered. Your insurance policy will pay you the cash value of the vehicle, while GAP coverage is paid when the loan balance is higher than the vehicle's actual cash value paid by your insurer.

In addition, with PowerBuy, you may be eligible for up to $6000 toward the financing of a replacement vehicle (autos and motorcycles) if the vehicle is financed through the Credit Union within 90 days of settlement. See our GAP PowerBuy PDF brochure.

For boats and recreational vehicles, the benefit is up to $1000 toward the financing of a replacement vessel/vehicle if the vehicle is financed through the credit union within 90 days of settlement.

View our Guaranteed Asset Protection PDF brochure.

Protection Benefits

Protects your credit rating
Eliminates or reduces out-of-pocket expenses for the remaining loan balance after a loss settlement
You may purchase a replacement vehicle sooner because there is little or no carry-over balance
Maximum benefit:
- Motorcycles: $50,000
- Automobiles: $100,000
- RVs and boats: $125,000
May be purchased up to one year from effective date of loan

Exclusions and deductibles may apply.

(5) Major Mechanical Protection

Get financial protection against many mechanical breakdowns that normally fall outside of the manufacturer's warranty, or which occur after the warranty has expired.

MMPI is available for new and used vehicles. Add-on miles available—up to 105,000 miles on top of current odometer.

What does MMPI cover?

MMPI can cover the costs of many major repairs, such as engine, transmission, drive axle, fuel system, and electrical, just to name a few.

MMPI can also help with 24-hour roadside assistance, rental-vehicle assistance, key-fob replacement, a tire-protection plan, and trip-interruption coverage.

Deductibles per visit are $0 (surcharge applies) or $100 (standard), and three different plans are offered: Select, Deluxe and Ultimate.

View more details in our Major Mechanical Protection PDF brochure.

Exclusions and deductibles may apply. Some vehicles are ineligible for MMPI—such as RVs, Subaru WRX, all Porsche and Tesla models, and others. View a list of ineligible vehicles here.

Documents you need for your vehicle loan

Verification of income—current paystub and/or retirement statement and/or income tax return
Proof of auto insurance—copy of current insurance card showing preapproved borrower as a policy owner or insured driver
See below list of vehicle loan transactions and click on applicable transaction for a list of documents needed to process your loan.

Dealer purchase from a franchise dealership (a franchise dealership is licensed to sell new and used vehicles)
Dealer purchase from a non-franchise dealership (a non-franchise dealership is only licensed to sell used vehicles)
Refinance from another financial institution
Refinance for cash out (clear title)
Private party purchase (clear title)
Private party purchase (financed vehicle)
Private party purchase (leased vehicle)
Lease buyout (own vehicle)

By submitting this preselected acceptance form, You are requesting to open a Visa Credit Card Account and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for a credit card.

You understand that the Visa Credit Card Agreement and Fair Credit Billing Notice will be sent to you when your Visa is established. You also authorize issuance of the Personal Identification Number (PIN) so that you may use the card in Automated Teller Machines (ATM). You understand that once you access the Visa Credit card, or you or any other person permitted to receive a Visa Card retains, signs or uses the card, you will have accepted and agree to be bound by the terms and conditions of the Visa Credit Card Agreement.

This preapproval offer expires December 31, 2025. After submission you will hear from us within two working days. Call or e-mail us for additional information.