Vehicle Loan Resources Vehicle Buying Resources & Tools

Credit union direct lending

When it’s time to buy a new car, sometimes you just want to get it done and go home! With the Credit Union Direct Lending network of dealerships, you can go pick out the car you like, apply for a Qualstar loan, and receive our financing (at the same low rates) right there at the dealership.

To find a dealer near you with the car you’re looking for, in addition to other car-buying tips and tools like accessing NADA and KBB guides, visit Qualstar's CUDL AutoSmart page.

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Get the AutoSmart iPhone app!

GAP Coverage protects your investment

The dramatic decrease of your car’s value as soon as you drive it off the lot can put surprising and unnecessary strain on your wallet if your car is stolen or totaled. The actual cash value of your car can be quite a bit less than what you still owe on your loan. Since you’re responsible for paying the remainder of your loan even when your car is stolen or totaled, depending on how much your insurance will cover, you might have to come up with hundreds or even thousands out of your pocket unless you have Guaranteed Asset Protection (GAP) Coverage.

The Benefits of GAP Coverage:

  • Covers the financial “gap” by covering up to 135% of the loan to value (after your insurance coverage is applied)
  • Costs far less than other coverage’s – just a one-time fee of $425.00!
  • $1,000 toward the purchase of a replacement vehicle when financed through Qualstar (to receive the $1,000 benefit there must be a total loss, and a new loan must be made for the replacement vehicle within 90 days of when the vehicle is determined to be a total loss)
  • Protects your personal credit rating
  • Available for both new and used vehicles
  • Enrollment is easy and coverage begins immediately