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Member’s Choice


Get protection for the unexpected.

We offer voluntary loan protection products that help you get relief from unexpected events. Learn more about the different coverage options available to you or contact us to add these protection products to your loan.

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Debt Protection

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By protecting your loan balance, you're protecting yourself and loved ones from accumulating unwanted debt in the event of death, disability, or involuntary unemployment. You have multiple package options to choose from. Your payments will be based on the package selected and your monthly outstanding loan balance.

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Mechanical Repair Coverage (MRC)

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If your vehicle breaks down, MRC can help alleviate some of the repair costs and service expenses (less any deductible). You'll also get peace of mind from 24-hour emergency roadside assistance, receive rental and travel expense reimbursement if needed, and can easily transfer coverage if you sell the vehicle. For claims, visit:


Guaranteed Asset Protection Plus (GAP Plus)

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In the event that your vehicle is stolen or totaled in an accident, you may owe more than the vehicle is actually worth. GAP Plus coverage protects you from owing on the balance to help with the replacement vehicle.


Your purchase of these MEMBER'S CHOICE® insurance products 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 Policy Agreements for a full explanation of the terms.

Add protection to these products

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Auto Loans

We offer low-rate auto loans and we partner with the Costco Auto Program and Enterprise Car Sales to get you the vehicle you want.

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Inspirus CU Savings Secured Loan

Savings-Secured Loan

We work hard to offer our members low loan rates. Receive an even lower rate by using your established savings as collateral backing.

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Inspirus CU Member First loan

Member First Loan

Our members' exceptional history of making timely loan payments and responsibly managing their accounts has made this loan possible. Pat yourself on the back!

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Ways you can apply

  • Call a Loan Services Representative at 855-628-4233
  • Visit your local branch.