Streamline the process
Let’s face it: shopping for a car can be a lot. Save time when you shop thousands of cars at competitive prices on our AutoSMART site.
Vehicle financing at Star One maximizes your options, not a bank’s profit margin
With Star One, a longer term doesn’t mean a higher rate. It’s your budget. You choose.
We love making this easy for you.
Whether you’re buying new, used, electric, or even a classic, we’ve got a loan to match. Already have a loan? We can help you refinance and save.
- Apply online for instant pre-approval
- Take that pre-approval to a dealership
- Get low-rate loans with up to 100% car financing[3] (purchase price plus tax, license and service contracts)
- Choose a loan term that works for your monthly budget—up to 7 years (84 months)
Auto Loan Payment Calculator
How much do you need to borrow?
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Apply your credit rating:
Select Repayment term (years)
Highlights
- Used-car loans with financing up to 100%* of the Kelley Blue Book or J.D. Power NADA Used Car Price Guide retail value plus tax, license, and service contracts
- New-car loans with up to 100% financing* (purchase price plus tax, license and service contracts)
- Up to 7 years financing
- Fixed interest rate
- Vehicles 10 model years or newer
Beep beep. Your pre-approval is here.
Submit an Online Loan Application to get a decision in minutes.
Whether purchasing or refinancing, you could save a lot of money with low interest car rates at Star One Credit Union.
Our competitive low fixed interest rates apply to new and used vehicles with extended loan terms and full financing. We offer the same financing option for used vehicle models up to 10 years old, as well as classic-car financing.
Members and non-members: Submit an Online Loan Application to get a decision in minutes. Or, visit a Credit Union Direct Lending (CUDL) dealer to nab a Star One auto loan right at the dealership.
Optional Protection Plans
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.
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.
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.
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