Buying a Car

Thinking about buying a car? You've come to the right place!

Destinations Credit Union has put together a lot of information on every phase of buying your car and getting yourself into the driver's seat. Of course you'll want to check out our loan rates, calculate your loan payment, and even apply online. But before you finance your car, you need to find the right car or truck, find the best price and learn everything you need to know to save more money on the deal.

Get Ready

Personal Finance Resource Center

The AutoSmart section of our web has a wealth of information and calculators for your use.

Get Preapproved

Apply online to see how much car you can afford.

Get Set

AutoSmart

Destinations AutoSmart free service which allows you to research your vehicle, check out pricing and options on new and used cars, find your perfect car, get the JD Powers ratings and more!

Enterprise Car Sales

Have you thought about a late-model used vehicle? You may be able to save hundreds by shopping with Enterprise. You'll get a quality used car at a no-haggle price.

Destinations Credit Union members in the market for a used car have a distinct advantage. They can find a quality used car through Enterprise Car Sales.

Enterprise has a large inventory of specially priced late-model used cars, and they offer a comprehensive 12-month limited warranty.

You can look over their inventory at locations in Glen Burnie or White Marsh. Call 800-227-7253 to find an Enterprise lot near you or visit their website. Be sure to let them know you're a Destinations Credit Union member!

Auto Buying Services

Research the car you want to buy and decide on a make and model. Once you've decided what car to buy, you might want to check out our free car buying services (MVCP and UBS) to make sure you're getting the best deal.

Before you buy your next new or used vehicle, use our free services to make sure you're getting the best price and incentives.

Do your own research first with Destinations free AutoSmart program. Research the perfect new or used car: find out your trade-in value, get the CarFax report, JD Powers ratings, calculate your payment and more!

Discounted vehicles are available through our partnerships with Enterprise Car Sales and Invest In America GM Discounts.

Destinations Credit Union members have free access to the Motor Vehicle Certification Program (MVCP). MVCP is staffed by seasoned auto specialists that can review the dealer cost for the car you are considering, provide information on your present auto's trade-in-value, provide information on current rebates/incentives, and if you desire, refer you to a local auto dealer that will sell the car you want at a fair price. If you are considering purchasing a new car, why not give MVCP a call, at (800) 345-0990. There's no cost to Destinations members, and you can see for yourself if the MVCP price is better than you can negotiate on your own.

United Buying Service — Get a low pre-negotiated price on the vehicle of your choice, discounted option pricing and extra savings with rebates and incentives. Call 410-792-9070 or visit their website.

Invest in America

Secure a great deal on a GM through lovemycreditunion.org. Enjoy privileges exclusive to credit union members!

Calculator

Calculate your payments at your preapproved interest rate to see approximately what your payment will be.

More Auto Resources

Explore your options even further. Destinations Credit Union offers a one-stop financial information center that includes helpful tips and savings regarding your auto purchase.

Go!

Go get your perfect car! When you finance your loan with Destinations, we offer additional protection to you and your family in the form of:

GAP Insurance

One-time, low-cost loan protection makes up the gap between your auto insurance and the loan balance in the event of total loss of the vehicle.

GAP is available on all new and existing vehicle loans up to 84 months (new and used vehicles).

Benefits of GAP

If your vehicle is declared an insured total loss, GAP provides the following:

  • Benefits are paid to $50,000
  • Insurance deductible coverage is paid to $1000
  • $1000 down payment credit when new loan is financed with Destinations MOVING FORWARD

Payment Protection

Add peace of mind to you and your family. This voluntary loan-payment protection helps you get relief from the financial burden of delinquency, default, or foreclosure should a protected life event unexpectedly occur.

Help play it safe.

MEMBER'S CHOICE™ Borrower Security* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Destinations Credit Union will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call a Loan Officer at 410-663-2500 and ask about protecting your loans, today.

*MEMBER'S CHOICE™ Borrower Security is a debt protection product offered by Destinations Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a Destinations Credit Union loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

1Source: www.bls.gov, Economic Releases, The Employment Situation, February 2011

Trustage™ Auto Insurance

While you're at it, you may want to think about shopping for new insurance. Trustage™ Auto Insurance may be able to save you some money.

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Mechanical Breakdown Insurance/Extended Warranty

Extend your manufacturer's warranty to protect yourself against unexpected expenses.

Many members choose to extend the manufacturer's warranty on their vehicle to protect themselves against unexpected expenses.

Through our partnership with Auto Exam, Destinations Credit Union offers a less expensive alternative to dealership extended warranties. Plus, you can take out a service contract at any time on vehicles that are 4 years old or less and have less than 60,000 miles - it doesn't have to be at the time you purchased your vehicle.

  • Vehicle DOES NOT have to be in manufacturer's warranty.
  • Vehicle DOES NOT require an inspection.
  • Vehicle must be eligible for coverage (4 years old or less and have less than 60,000 miles).
  • Member cannot file a claim within the first month and 1,000 miles of the contract.

For more information or a quote for your vehicle, contact a loan officer today at 410-663-2500.