Vehicle Loan plus Visa Preselected Offer


You can choose to stop receiving "prescreen" offers of credit from this and other companies by calling Experian toll-free 1-888-567-8688. Please scroll down to view the PRESCREEN & OPT-OUT NOTICE below for more information about prescreen offers.


You've been preselected for a Star One vehicle loan!

Loans rates for new or used cars:  5.49% - 9.49%[1] APR 

Monthly payment: $14.37 - $16.35 per $1,000, Fixed rate, 7 years maximum term

  • 100% financing* on new cars (purchase price plus tax, license and service contracts)
  • 100% financing* on used cars up to 10 years old (Kelley Blue Book or J.D. Power NADA Used Car Price Guide retail value plus tax, license, and service contacts)
  • Repayment terms up to 7 years
  • Fixed interest rate loans

Learn more about Star One car loans or call us for more information.

* The amount financed may vary based on final approval conditions.

Car Loan Payment Calculator
silhouette of people on a car viewing the sunset

You've also been preselected for a Visa Signature Rewards Card!

a person standing on a ledge looking up at the sunset

Low interest rate: 8.75% APR  

Up to $20,000 credit limit or credit-limit increase

No annual fee, no cash-advance fees and no balance-transfer fees

No foreign-transaction fees!

  • Earn 1.5 Rewards Points on every dollar spent, redeemable as cash
  • TSA Pre✔® or Global Entry five-year membership for each cardholder—speed through security at selected airports
  • Trip Cancellation/Interruption Protection

The only credit card you'll ever need...

Learn about more benefits of a Visa Signature Rewards Card.

Select Your Offer

Vehicle Loan plus Visa Signature Rewards Card

Accept Star One's offer of a vehicle loan, plus a Visa Signature Rewards Card with credit limit or increase of up to $20,000 below.

Vehicle Loan plus Visa Card
Vehicle Loan only

Accept Star One's offer of a preapproved vehicle loan—without an additional Visa Signature Rewards Card.

Vehicle Loan Preapproval
Visa Signature Rewards Card only

Accept Star One's preselected offer of a Visa Signature Rewards Card with credit limit or increase of up to $20,000.

Visa Signature Rewards

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

Visa balance transfers

Additional Visa authorized users

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.

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

(1) Subject to the terms herein, this firm offer of credit preapproves you for at least $10,000 of credit and is valid until September 30, 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

Documents you need for your vehicle loan

  1. Verification of income—current paystub and/or retirement statement and/or income tax return
  2. Proof of auto insurance—copy of current insurance card showing preapproved borrower as a policy owner or insured driver
  3. See below list of vehicle loan transactions and click on applicable transaction for a list of documents needed to process your loan.
    1. Dealer purchase from a franchise dealership (a franchise dealership is licensed to sell new and used vehicles)
    2. Dealer purchase from a non-franchise dealership (a non-franchise dealership is only licensed to sell used vehicles)
    3. Refinance from another financial institution
    4. Refinance for cash out (clear title)
    5. Private party purchase (clear title)
    6. Private party purchase (financed vehicle)
    7. Private party purchase (leased vehicle)
    8. 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.

Credit Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases
Visa® Signature Rewards Credit Card
APR (8.75% apr)
8.7500
Visa® Platinum Rewards card
APR (8.75% apr)
8.7500
Visa® Platinum Best Rate card
APR (7.75% apr)
7.7500
APR for Balance Transfers
Visa® Signature Rewards Credit Card
APR (8.75% apr)
8.7500
Visa® Platinum Rewards card
APR (8.75% apr)
8.7500
Visa® Platinum Best Rate card
APR (7.75% apr)
7.7500
APR for Cash Advances
Visa® Signature Rewards Credit Card
APR (8.75% apr)
8.7500
Visa® Platinum Rewards card
APR (8.75% apr)
8.7500
Visa® Platinum Best Rate card
APR (7.75% apr)
7.7500
How to Avoid Paying Interest on PurchasesYour due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for, or using a credit card, visit the website of the Consumer Financial Protection Bureau.
Fees 
Annual FeeNone

Transaction Fees

  • Balance Transfer Fees
  • Cash Advance Fees
  • Foreign Transaction Fees
  • Transaction Fee for Purchases

 

  • None
  • None
  • None
  • None

Penalty Fees

  • Late Payment Fee
  • Return Payment Fee

 

$10.00
up to $15.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of September 8, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Fees and Disclosures:

Late Payment Fee:
$10.00 or the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.

Returned Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less.

Minimum Payment Required: The minimum monthly payment will be 2.5% of your outstanding balance or $20.00, whichever is greater.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Visa Credit Card Account Agreement.

We reserve the right to amend the Visa Credit Card Account Agreement as permitted by law. The above rates and fees are current as of September 8, 2025.

Fees and APR apply to new cards only. Learn more about our No-Annual Fee Credit Cards. Visit our online credit-card application.

PRESCREEN & OPT-OUT NOTICE. This "prescreen" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this or other companies, call Experian toll-free at 1-888-567-8688, or visit www.optoutprescreen.com; or write to: Experian Opt Out, PO Box 919, Allen, TX 75013-0919.