Side-by-side: where confusion starts
| Question | Path A | Path B |
|---|---|---|
| First login credential | Temp password mailed 7–10 days; VIN must match | Member ID + password same day account opens |
| EV rebate display | Dealer applies at sale; member sees net financed only | Rebate transfer shows as separate deposit |
| GAP claim start | Third-party GAP on windshield sticker | CU GAP through loan tile after sign in |
| Payoff for trade-in | Dealer fax quote; 10-day good-through | Member app quote; dealer rejects if > 72 hours old |
| Refinance from another CU | Not offered on lot | Digital app; 48-hour funding typical |
Why Michigan changes GAP math
Workbooks use Lansing metro labor rates — $142/hr body shop in 2026 vs. $112 national. The MI GAP Workbook includes adjuster templates after lake trust credit union auto loan enrollment.
Clean Vehicle Credit timing
When IRA credit applies at dealer, first statement principal does not match window sticker. Supplement walks amortization for members asking about lake trust auto loan login on day three.
Print titles referenced
- EV Auto Loan Guide 84 pp · rebate chapter · $24.99
- MI GAP Workbook claims scripts · $19.99
- Dealer Script Pack laminated cards · $14.99
Ships from Lansing studio
Related: lake trust mobile login · lake trust mortgage login · full catalog