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*Are you a current USC Credit Union member?:

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Non-Membership Disclosure

USC Credit Union is a member-owned, not-for-profit, financial cooperative; and it’s never too late to join! Please take a moment to review our membership requirements to see if you qualify before submitting a loan application. Call us at (877) 670-5860 and we'll be happy to help you. We can't wait to get to know you!

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Loan Protection Options

Please add Life and Disability protection to my loan.

Credit Disability and Credit Life Insurance protects you and your family should you become totally disabled or pass away. With each new debt added to your plate, it becomes more important to have some type of protection. You’ll help gain peace of mind knowing your family’s savings will be safeguarded. The cost of both is conveniently combined with your USC Credit Union loan payment.

Please add Guaranteed Asset Protection (GAP) Guaranteed Asset Protection (GAP) to my loan.

If your car is totaled/stolen for any reason, the amount of reimbursement you receive from your insurance company may be substantially less than the amount you owe on your car loan. Unless you’re covered by gap insurance, this financial shortfall, or “GAP” could leave you owing thousands of dollars. Ask one of our Loan Specialists for more information.

Please add Major Mechanical Protection (MMP) to my loan.

For just pennies a day, MMP shields you from the high costs of mechanical or electrical repairs on your vehicle once your basic manufacturer’s warranty has expired. In addition, MMP also provides comprehensive roadside assistance, nationwide coverage, and the flexibility to choose a repair facility of your choice. Before you commit to any other program, compare it to our major mechanical protection plans.

Please add Debt Protection to my loan.

Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or some payments in case of: death, accidental dismemberment, terminal illness, hospitalization or family medical leave, death of a non-protected dependent, involuntary unemployment, or disability. Ask one of our Loan Specialists for more information.

Loan Type Disclosure Statement

What Type of Co-Applicant should I Choose?

Co-Signer/Guarantor - Person who assumes equal liability for the obligation but does not benefit from the proceeds of the obligation.

A spouse cannot be a Co-Signer/Guarantor

Joint Borrower/Co-Borrower - Person who assumes equal liability for the obligation and benefits from the proceeds of the obligation.

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