FAQs

Every used vehicle we sell comes with the RCU Auto Services Peace of Mind Promise warranty that’s valid for 90 days or 4,000 miles*, whichever comes first. This warranty covers the vehicle from bumper to bumper. More questions?

The warranty does not cover cosmetic or accident damage or parts that malfunction due to damage, abuse, racing, or off-road use. More questions?

We are happy to help even after your purchase. Please contact us with any issues you’re having, and we’ll work to get things resolved quickly.

PermaPlate affordably protects the exterior and interior surfaces of your vehicle from things like sun damage, lens fading, food and beverage spills, and pet stains. See We’ve Got You Covered. More questions?

Mechanical Breakdown Insurance covers many basic and powertrain components, roadside assistance, and coverage begins when you get your car. See We’ve Got You Covered. More questions?

We offer affordable Guaranteed Asset Protection (GAP) to cover the portion of your auto loan not paid by your insurance company when you're in an accident and suffer total loss. See We’ve Got You Covered. More questions?

Yes, in addition to the 90-day/4,000-mile warranty* provided by the RCU Auto Services Peace of Mind Promise, your vehicle may have remaining factory warranty. More questions?

For repairs likely covered under factory warranty, please take your vehicle to its local manufacturer repair facility to run diagnostics. For repairs not covered by their warranty, have the repair technician contact us .

Yes, it can! We know you’re busy and are happy to deliver to make your life a little easier. Need more information? Contact us.

We’re all about saving time, so we don’t require a physical visit to the lot. You can sign most of the documents digitally. Need more information? Contact us.

Most documents can be signed digitally, ahead of time. When we arrive, we’ll need you to sign a few DMV documents. Then you decide how much time you need. We’re happy to show you features of the vehicle. Contact us.

If you have a trade-in, that’s not a problem. We’ll pick it up when we deliver your vehicle to you. Need more information? Contact us.

Yes! We can deliver free of charge to Sonoma, Mendocino, Napa, Marin, San Francisco, Lake, Contra Costa, and Solano counties. Delivery outside these areas is possible, but a delivery charge may apply. Contact us to make that request.

Yes, we want you to be really happy with your purchase. All pre-owned vehicles sold here qualify for our 8-day exchange policy. Give us a call and we’ll arrange the exchange. Need more information? Contact us.

To exchange your vehicle, you must let us know prior to the 8th calendar day after receiving your vehicle. We can’t accept the vehicle if it has been modified, in an accident or damaged, altered from the condition it was delivered in, or had a lien or other encumbrance put on it (other than the retail installment contract of Redwood Credit Union). Additionally, if you drive the vehicle over 300 miles, every additional mile will be charged a fee of $1.00 per mile. If you choose to exchange, you can receive up to three vehicles; however, the third vehicle will not come with our 8-Day Money Back Guarantee. Day one of your 8-Day Money Back Guarantee begins when you accept the vehicle, regardless of time of day. The exchange policy applies to pre-owned vehicles only. Need more information? Contact us.

No problem, we’ll take care of everything. One dedicated person will work with you to properly close out the last loan and instate the new one. Need more information? Contact us.

As part of the transaction, we’ll try to make all arrangements to pay off the existing loan balance on your trade-in. We can do this even if your current loan or lease is not with Redwood Credit Union. Need more information? Contact us.

Absolutely, yes! We purchase all types of cars, trucks, SUVs, and vans. And we’ll also purchase your vehicle if it has an existing loan or lease with another financial institution. Need more information? Contact us.

Our written offer to purchase your vehicle is good for 10 days or 300 miles, whichever comes first. We reserve the right to re-evaluate the offer if the condition of the vehicle changes due to accident damage or mechanical malfunctions. Need more information? Contact us.

Certainly, yes! We welcome trade-ins and it’s not uncommon for people to trade in two (and sometimes three) vehicles. Need more information? Contact us.

You’ll need your ID, and the title to the vehicle. (It’s not a problem if your financial institution has the title.) If your vehicle is financed, we’ll need the financial institution’s contact information so we can verify the payoff. And we’ll want both sets of keys. Need more information? Contact us.

It happens sometimes when the pay-off balance of your loan or lease is larger than the appraised value of your vehicle. It usually occurs when you have a loan with a longer term and you’re selling or trading the vehicle in the first few years of ownership. For example, if the loan balance on your current vehicle is $10,000 and the appraised value is $9,000, the negative equity would be the difference, or $1,000. Sometimes, negative equity can be carried over to the loan on your new vehicle. Need more information? Contact us.

If you’re a current Member of Redwood Credit Union, we can credit your account or have a check made out to you that same day. If your vehicle has an existing loan with Redwood Credit Union, in most cases, we can also process the purchase of your vehicle on the same day. If your vehicle has an existing loan or lease balance with another financial institution, please allow us one additional business day to process the transaction. You can make an appointment to bring your car to us for appraisal and purchase. Need more information? Contact us.

We make certain to check for eligibility for all factory and dealer incentives. This includes factory-to-dealer incentives that are normally not published. We negotiate with dealer partners on your behalf. Need more information? Contact us.

No problem. We can use the factory lease programs so you save the most money possible. Need more information? Contact us.

Since RCU Auto Services acts as broker when you elect to use our Concierge Service, California State Law requires that you sign the documents provided by our partner dealer as well as those of RCU Auto Services. There’s no difference in the amounts listed on the documents. We do everything we can to make the process go as smoothly as possible, including, in most cases, making the RCU Auto Services documents available for digital signing. Need more information? Contact us.

We have an extensive network of dealer partners throughout California and the West Coast. Our goal is to locate and secure the exact vehicle you’re looking for in the timeliest manner possible. Need more information? Contact us.

You can have factory maintenance and warranty repairs performed at the local manufacturer’s franchised dealership. Need more information? Contact us.

Your final, out-the-door price is calculated inside of the purchase process and will include: the listed price of the vehicle, your local taxes and state taxes, title and registration fees, and any extras you choose to add, such as a Mechanical Breakdown Insurance, PermaPlate, and/or GAP coverage. Need more information? Contact us.

Yes! We offer very affordable protection. Many of our vehicles are eligible for Mechanical Breakdown Insurance (MBI). MBI is different than a traditional “extended warranty” because the coverage tends to be more comprehensive. MBI also covers both basic and powertrain components, includes roadside assistance, has a low deductible, and coverage begins the day you receive your vehicle. Check out our We’ve Got You Covered page for more information. More questions?

Yes, you’re required to contact your current carrier/insurance agent and have your new vehicle added to your policy within 30 days of purchase. If you don’t have current coverage, our partners at RCU Insurance Services will be happy to assist you. *More Questions? Contact us.

Great question! All loans provided by Redwood Credit Union should use this lienholder information: Redwood Credit Union, Attn: Insurance Verification, 3033 Cleveland Ave, Santa Rosa, CA 95403. More questions? Contact us.

If your new vehicle is financed, in addition to state required liability coverage, your auto policy needs to have comprehensive & collision coverage, a deductible of $1,000 or less, and it must list Redwood Credit Union as a lienholder/loss payee. More questions? Contact us.