SPC Auto Loans

Premium Auto Loans (PAL) are available for new or previously titled vehicles with up to 48,000 miles. Let SPC help bring your dream car to your driveway with financing you can afford! Email lending@spccu.org or use the Virtual Branch widget on the bottom of your screen to chat, call, or video call with one of our associates!

SPC offers loans for previously titled (used) vehicles with more than 48,000 miles, up to 100,000 miles. We can’t wait to help you settle into a new-to-you set of wheels! Email lending@spccu.org or use the Virtual Branch widget on the bottom of your screen to chat, call, or video call with one of our associates!

SPC offers used vehicle loans for vehicles with more than 100,000 miles. Contact a member of our Lending Team today to see if the car that’s caught your eye is eligible for a used auto loan!

Indirect Lending, also known as Onsite Dealer Financing, is an easy, quick way to access credit union financing at local dealerships that partner with SPC. This partnership creates a resource center and financing tool for both members and non-members to be approved for an SPC Auto Loan at one of our dealership partner locations. Onsite Dealer Financing is available for new and used vehicles. Non-members who choose to finance their vehicle with SPC will be required to establish a Savings Account with SPC. This paperwork can be completed at the dealership for your convenience.

Click here to find your dream vehicle at participating dealers!

Picture this: You’re cruising down the creek or just laying low on the lake in your new (or new-to-you!) boat. Now, stop picturing it and plan for it! Qualified SPC members may borrow up to MSRP (Manufacturer’s Suggested Retail Price) plus sales tax on new, never-titled units. MSRP should be stated on the buyer’s order or bill of sale. Loans on previously titled (used) units will be limited to established retail value plus sales tax. SPC may require a collateral inspection as deemed necessary to protect the interest of the credit union.

Contact a member of our Lending Team today, or use the Virtual Branch widget on the bottom of your screen to chat, call, or video call with one of our associates!

Do you have your sights set on a new or used motor home or camper? Let SPC help you make it yours! SPC provides loans for you to purchase new, used, or previously titled motor homes and campers. Qualified SPC members may borrow up to MSRP (Manufacturer’s Suggested Retail Price), plus tax, tag, transfer, and warranty expenses on new, never-titled motor homes and campers. MSRP should be documented on the bill of sale. SPC members may be able to finance used or previously titled motor homes or campers up to established retail value plus tax, tag, transfer, and warranty expenses. Written documentation from a reputable dealer will serve as verification of retail value. SPC may require a collateral inspection as deemed necessary to protect the interest of the credit union.

Contact a member of our Lending Team today, or use the Virtual Branch widget on the bottom of your screen to chat, call, or video call with one of our associates!

Whether life takes you down the open road or off-roading, SPC’s here to put you in the driver’s seat. SPC offers financing for motorcycles, four-wheelers, ATVs, dirt bikes, personal watercraft, golf carts, and other recreational vehicles deemed to fall into this category by the credit union’s management. Qualified members may borrow up to Manufacturer’s Suggested Retail Price (MSRP) on new, never-titled vehicles or up to established retail value on used, previously titled vehicles up to 10 model years.

The SPC Insurance Service Center is available for questions related to collateral protection insurance required on vehicles financed with SPC, or if you have received a letter from the SPC Insurance Service Center.

To contact the Insurance Service Center, you may choose one of the following:

• Call: 800-749-5440 (click to call)
• Text: 865-505-7722
• Email: spccu@mycoverageonline.com
• Scan the QR Code Below

GAProtection is coverage for the “GAP” between the actual cash value (ACV) and loan balance in the event of total loss due to accident or theft. Deficiency balance can result from deductible, vehicle depreciation and taxes or fees. Features of a GAProtection Plan through SPC Credit Union include:

• Coverage available for new and used autos, trucks (up to one ton), motorcycles, personal watercraft up to $50,000. (Coverage available for higher amounts at an adjusted premium.)
• Coverage for vehicles financed up to 84 months
• Payment of up to 125% of MSRP on new vehicles or 150% of established retail value on used vehicles (includes loan and financed contracts)
• Payment to borrower’s deductible up to $1,000
• 30-day “free look”
• Collateral replacement benefit: will pay $1,000 toward the purchase of a replacement vehicle if it is financed with SPC Credit Union within 90 days of loss, regardless of whether there is a deficiency balance after the primary insurance settlement

No matter the motor vehicle you buy, there’s always the chance for technical difficulties: i.e., mechanical breakdowns. Extended Service Vehicle Coverage through a contract with Vision Warranty Corporation helps you to protect yourself from the unexpected (and expensive!) costs of vehicle repairs and, in some cases, may eliminate the costs altogether! Keep reading to learn about the benefits of this coverage!

• Wear and Tear Coverage: All plans cover ordinary wear that exceeds the manufacturer’s published tolerances on covered components
• One Deductible Per Visit: Regardless of the number of components repaired, only one deductible is paid per visit

Benefits Included in All Plans

Roadside Assistance Services, Including:

• TOWING / WRECKER SERVICE
• GASOLINE DELIVERY
• FLAT TIRE CHANGE
• BATTERY-JUMP SERVICE
• LOCKOUT SERVICES
• CONCIERGE SERVICES

Rental Car Reimbursement: Payments are limited to the actual rental cost not to exceed thirty-five dollars ($35) per day, not to exceed seven (7) days.

Trip Interruption: Reimbursement for meals and lodging when a covered failure occurs more than 100 miles from home not to exceed one hundred dollars ($100) per day and not to exceed three (3) days.

Manufacturer’s Deductible Reimbursement: If a part is replaced under the manufacturer’s warranty and that same part is covered under this contract, Vision will pay the deductible that the manufacturer charged up to a $100.00 maximum.

For more information, contact a Financial Service Representative at (843) 332-4506 or inquiries@spccu.org.