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Chevron Federal Credit Union offers several products and services to make the auto buying process easier. 

Credit Union Direct Lending (CUDL)

Get your CFCU auto loan directly from more than 700 participating Credit Union Direct Lending dealers. That means you can obtain your credit union auto loan where you buy your new car!
To find a participating CUDL dealer near you, download CUDL's AutoSMART iPhone or Android app, visit CUDL's AutoSMART website and click on the "Locate" link, or call 888-CU-Direct. 

You can also use the AutoSMART website and mobile apps to search through thousands of dealers’ inventories, get the latest ratings and reviews, and find out what your trade-in is worth. 

CUDL - Credit Union Direct Lending

Vehicle Purchase Program (VPP)

The Nissan/Infiniti Vehicle Purchase Program gives Nissan employees and their family, friends, and participating business partners the opportunity to buy new Nissan or Infiniti vehicles at pre-negotiated below-invoice pricing on most new models.

For more information visit

Cars for

If you're looking for worry-free shopping that is exclusive to Credit Union members, is the service for you. This convenient web-based car buying service provides you with the tools to make car shopping easy. 

  • Build your dream car online, research options, and compare features
  • Guaranteed pricing
  • CARFAX Vehicle reports
  • Payment calculators
  • Personal Shopper can locate your vehicle, negotiate your price, set-up the appointment, and even schedule your test drive!

Call 800-OK4-CARS or visit

Cars for Members Vehicle Purchase Program

Invest in America

With Invest in America, all eligible current and new credit union members have access to valuable offers from GM, Chrysler, and Shop America.

For complete details visit

Invest in America Offers

Kelley Blue Book

Consult Kelley Blue Book online to determine the value of your new or used car before you buy or sell:

Kelley Blue Book

Auto Insurance Products

Guaranteed Auto Protection (GAP)
Guaranteed Auto Protection (GAP) offers protection against financial liability when financing a new or used vehicle. It protects against financial loss in the event that the vehicle is damaged beyond repair (totaled), or stolen and never recovered. With GAP, the covered deficiency balance is then waived.
Driving a new vehicle without GAP is like taking a leap of faith. Your automobile insurance will cover damages in the event of an accident, but if your vehicle is declared a total loss or is stolen, there's no safety net to protect you from financial hardship.
Within the first two or three years of ownership, your new vehicle will depreciate faster than the loan/lease balance. A significant gap can exist between the amount your insurance company will pay and the amount you still owe. 
How GAP Works

GAP Insurance Chart

Note:  This graph is provided as an example only. The actual payoff may vary.
GAP could save you thousands of dollars that would otherwise be an out-of-pocket expense. This affordable coverage costs only pennies per day and bridges the gap between what you owe and what your insurance company will pay, protecting you from unnecessary risk. For example, if your loan/lease balance is $20,000 but your insurance company will only pay $16,000, GAP will pay the $4,000 difference.
Ask Us
If you're planning to buy a new automobile or have recently purchased one, ask your loan/lease representative about GAP. It's easy to enroll and there is no cash down; the cost can even be included in your monthly payments.
Easy Claim Process
First, report your claim to your primary insurance company or agent. If your vehicle is determined to be damaged beyond repair (totaled) or is stolen and never recovered, and there is a gap between your insurance company's settlement and your loan/lease balance, please report the claim to us, your lender. You will need to provide a copy of your insurance company's settlement and, in the case of theft, a copy of the police report.

Why You Need Gap Protection
In addition to paying the difference between your insurance settlement and loan/lease balance, GAP also: 

  • Covers your financing agreement for the entire loan or lease term.
  • Delivers risk protection from total loss or unrecovered theft.
  • Offers coverage up to $50,000.
  • Pays your auto insurance deductible, up to $1,000, in cases of total loss.
  • If you finance state taxes and license fees, up to 120% of MSRP, that's covered as well.
  • No separate cash payment is needed; simply add the cost of GAP to your automobile loan/lease.

Underlying auto insurance on the vehicle must be in force and maintained to be eligible for GAP coverage. GAP is cancelable within the first 30 days. After 30 days, the cancellation refund is computed in accordance with GAP cancellation provisions. Please refer to the Debt Cancellation Agreement for complete details. 

Discount Auto Insurance

Save on your insurance premiums with Liberty Mutual Insurance Group's Savings Plus Program. Premiums are quoted on an annual basis and are not subject to increases every three or six months like most insurers. You even have the option of paying your premium automatically with a monthly deduction from your CFCU account.

For a free quote over the phone, call 800-225-8281 or visit Liberty Mutual Insurance.Lilberty Mutual 

Mechanical Breakdown Insurance/Select Member Protection

CFCU offers valuable insurance/member protection policies to protect your car and your wallet. With our Mechanical Breakdown Insurance For California Drivers (MBI*)/Select Member Protection, plans are designed to help protect you against the mechanical failure of your vehicle's major mechanical components.**

Additional Benefits:

  • 24-Hour Roadside Assistance
    • Towing and Wrecker Service
    • Road Service
    • Tire Repair/Replacement
    • Lost Key/Lockout Service
  • Car Rental
    • Reimbursement for substitute transportation from $30 - $50 per day for a maximum of five to six days depending on the plan.
  • Trip Interruption
    • Reimbursement for motels and meals from $75 - $125 per day for a maximum of three days if the breakdown occurs 100 miles or more away from your home.

For more information, stop by your local CFCU branch or call us at 510-627-5000 or 800-232-8101.

*SMP for all other states.
**Some restrictions apply for MBI on used vehicles.

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