Auto Center Chocolate Bayou believes in fair rates for all credit situations. Getting pre-approved for a Chocolate Bayou Auto Loan is fast and easy! Get Approved Calculate Your Payments Get Your Auto Loan Here’s how it works: Apply for auto financing online or in person Shop at any dealership you’d like – be sure to mention you already have financing with Chocolate Bayou Credit Union Close your auto loan at any Chocolate Bayou Location or electronically (ask your Member Service Representative for details) Provide your proof of insurance here. Protect Your Investment Chocolate Bayou Credit Union offers a variety of protection options at wholesale prices. If you choose to close your auto loan at the credit union, we can save you even more money, and package the cost of these products into your loan! Guaranteed Asset Protection (GAP) Never fear if your vehicle is stolen or totaled. If there is a gap between what your insurance pays and what you still owe on your automobile, boat, RV, or motorcycle loan, GAP will cover the difference. Extended Warranty Extended Warranty protection saves you from expensive costs associated with repairs that could be needed after your factory warranty expires. Credit Life/Credit Disability Give security to your loved ones in the event of your death and protect your credit if you become disabled. Credit Life pays your loan fully and Credit Disability makes your payments during a period of disability. Ding Guard Ding Guard provides another layer of coverage for your vehicle without you ever having to file a claim on your auto insurance policy.