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Auto Loans

With the money our loan saves you, you can afford the important things for your car. Like fuzzy dice. Oh yeah – and gas.

Come to Pinnacle for a great deal on your auto loan. We offer great rates and flexible terms so that you can afford that sweet ride you’ve had your eye on. Plus, we make the whole process fast and easy. You name it. From doing it all paperlessly to transferring your old title, we do everything we can to get you behind the wheel as affordably and quickly as possible (without exceeding any speed limits, of course).

Pre-Qualify in Minutes

Our fast and secure online application process allows you the freedom to sign your loan docs from your smartphone.

Snap and Upload

Scan the back of your driver’s license to prefill your online application. Plus, even take a photo of your license to upload with your app.

We handle everything

We’ll take care of paying off your old auto loan and help your transfer your title.

Apply today
GAP with Deductible Assistance

Get GAP with Deductible Assistance and don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate on average 20% the first year you own it, half of which occurs the minute you drive it off the lot.1 This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program can help fill the gap between what your vehicle insurance will pay and what you owe on your loan.

Our GAP program includes Deductible Assistance that is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

 
 
Preferred dealers

Finding the perfect vehicle has never been easier with our one-stop Auto Smart site.

Whether you’re buying a vehicle now or in the future, we’ve got a powerful new shopping tool that can help make your shopping experience easier.

  • Get pre-approved – shop within your budget
  • Shop local dealers
  • Shop for a specific make and model
  • And more
Start shopping today
Debt protection options

Help protect your loan. Help preserve your standard of living.

Thinking about taking out a loan to buy a vehicle? You should take steps to protect you and your family in case something unforeseen happens. You’re betting you can pay back your loan and you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or need to take family leave, or pass away — which could leave your family responsible for your loan balance.

Our Debt Protection is a voluntary loan-payment protection product designed to help you get relief from loan payments if a protected life event unexpectedly happens to you.2

 
 
Mechanical repair coverage

The miles can add up, but the repair costs don’t have to.

What is MEMBER’S CHOICE® Mechanical Repair Coverage?
It’s hard to anticipate vehicle repair and maintenance. Budgeting for this can be difficult and can tie up funds earmarked for other needs. MEMBER’S CHOICE® Mechanical Repair Coverage (MRC) is a voluntary product that may help pay for repairs on your vehicle, giving you more control to help you keep your car on the road where it should be.3

How Does it Work?
If your vehicle breaks down, Mechanical Repair Coverage pays for the cost of covered repair, less any deductible, at any authorized repair facility in the U.S. or Canada. Your loan officer can show you how a few simple steps will help you take more responsibility for your financial future. You can cancel within 60 days for a full refund if the agreement has not been used. Or you can cancel anytime after that for a pro-rated refund less an administrative fee. If at any time you have questions, simply contact us.

Why is it Valuable?
Typically, as the age of your vehicle increases so does the average cost of repairs. That’s why Mechanical Repair Coverage is so valuable. MRC provides rental reimbursement, 24-hour emergency roadside assistance and travel expense reimbursement; in addition, if you sell your vehicle privately, the coverage can be transferred (for a fee).

Be sure to read the Vehicle Service Contract or Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. Coverage will vary by state.

Auto insurance

Exclusive coverage for our members

You could save up to $343.904 on car insurance.

Call for your FREE, no obligation quote:
Visit TruStage at TruStageAutoHome.com
Toll-free 1-888-380-9287
Monday – Friday 7am – 1am; Saturday 7am – 11:30pm; Sunday 9am – 10pm ET

Discounts on car insurance
A wide variety of discounts are available and include:

  • Multi-car discount
  • Anti-lock brakes
  • Air bags, automatic seat belts
  • Anti-theft device
  • Good student discounts


Benefits for car insurance

  • 24-hour claims service (even on holidays)
  • Fast appraisals (typically within 24 hours)
  • Guaranteed auto repairs (for as long as you own the vehicle)
 

Combine car and home coverage and save even more

Your car and home are major investments and you want to make sure that they are well protected. Pinnacle FCU has carefully chosen the TruStage™ Auto & Home Insurance Program and is making it available to you as a member of Pinnacle. This TruStage program works closely with leading insurance companies to provide the quality protection you need – at the prices you can afford.

VISIT TRUSTAGE



TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members.

TruStage is the marketing brand for the Auto & Home Insurance Program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from CMFG Life Insurance Company.5

Disclaimers
Car Depreciation – 5 Things to Consider, CARFAX, May 18, 2017. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in FL, GA, IA, RI, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

2 Your purchase of 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 Member Agreement for a full explanation of the terms of 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. DP-1220940.1-0615-0717, © CUNA Mutual Group 2015, All Rights Reserved.

3 MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc.; in WA, where coverage is administered by Automotive Warranty Services, Inc.; in FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023); and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI), it is underwritten by Virginia Surety Company, Inc.

4 Figure based on a February 2011 national sample of auto policyholder savings when comparing the policyholder’s former premium with those of the TruStage Auto & Home Insurance Program. Individual premiums and savings will vary depending on your insurance carrier and coverage and limits purchased.

5 APR=Annual Percentage Rate. Your rate is based on term and creditworthiness. Rates subject to change without notification. Not all applicants will qualify. Proof of income may be required. Repayment terms for 60 months would consist of 60 monthly payments of $18.37 per $1,000 borrower at 3.89% APR. For a limited time (promotion period: March 15 – April 30, 2019): When you apply and close on your Pinnacle Federal Credit Union Auto Loan you will be provided FREE MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) coverage. Maximum Loan Term for GAP policy is 84 months. You have the right to cancel GAP Coverage at any time, however, no cash refunds or cash value. Opting to take this coverage will have no effect on qualification. Auto insurance is required; GAP coverage does not replace your auto insurance. REFINANCING: FREE GAP Coverage will qualify if you are refinancing from another lender to Pinnacle. Promotion does not qualify if you are refinancing your Pinnacle auto loan. Pinnacle FCU is an equal opportunity lender.