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Frequently asked questions about

Auto Loans

Auto loan overview

I want to buy a new vehicle but don't know where to start. What should I do?
Do you offer leases for vehicles?
How much can I borrow on an auto loan?
Can I finance accessories into my vehicle loan?
How often do the rates change for car loans?

Buying a vehicle

If I obtain an auto loan from Mountain America, do I have to buy from an auto dealer?
How do I determine the value of a new car?
Can I apply for an auto loan if I haven't found the car I want yet?

Used vehicles

How do I apply for a used auto loan?
Do I need to get an appraisal on my used car to refinance?
How do I determine the value of a used car?
What is the maximum loan-to-value Mountain America will lend on a branded title?

Insurance requirements and coverage

How much does auto insurance cost?
Do you offer auto insurance?
What are the insurance requirements for an auto loan?
How long will it take to start my auto insurance coverage?
What insurance coverage would my lender require when I have a car loan?
Am I covered with my auto insurance policy when I rent a car?
Do I need a U.S. driver's license to get auto insurance?

Accidents, theft, and GAP coverage

What is collision insurance coverage?
What should I do if I am involved in a car accident?
What is Guaranteed Asset Protection (GAP), and who pays for it?
How do I access my vehicle protection plan/warranty information?

Vehicle title and payoff

How do I payoff my car and get the title?
Does the vehicle title have to be in my name?
How long will it take to receive the title for my vehicle once the loan is paid off?
How long do I have to wait for my title once my vehicle has been paid off?
Can my car be titled in my business' name?

Auto loan refinancing

Can I refinance my vehicle loan?
I am late on my car loan, and I am out of work. Can I refinance my vehicle to a lower rate?
How much does it cost to refinance a vehicle?

Special scenarios

Do you have auto loans for fleet vehicles?
I need an SR-22 Endorsement. Can you help me?
If my vehicle is financed with the credit union, may I take the vehicle out of the country?

Warranties

If I have a purchase order from a dealer and they have included a warranty in the price of the car, can I cancel and purchase the credit union warranty?
Do you offer warranties on new and used vehicles?
How do I access my vehicle protection plan/warranty information?

Auto loan financial details

Is there a prepayment penalty on car loans?
Can I borrow more than 100% of my vehicle value?
How do I finance the buyout of my lease?

Service center

1-800-748-4302

Routing number

3240 7955 5

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© 2026 All rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
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