Loan Protection Products


Loan Payment Protection Options

Get the coverage you need to protect your family and your financial wellbeing. We offer our members a range of affordable coverage and protection plan options!  Loan protection products are voluntary and will not effect your ability to be approved for a loan.

  • Guaranteed Asset Protection (GAP) with free Auto Deductible Reimbursement (ADR) 

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle financed or leased with our financial institution!

  • Depreciation Protection (DPW) with free Auto Deductible Reimbursement (ADR) 

DPW protects your vehicle equity and hedges against depreciation over the life of the loan. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.

  • Auto Deductible Reimbursement (ADR) 

ADR is an involuntary benefit that is included with GAP and DPW.  It provides up to $500 of deductible reimbursement for 5 years unlimited on the vehicle on the loan and all other passenger vehicles the borrower owns and insures in the same household.

  • Vehicle Protection Plan (VPP)

Roadside assistance and much more!  This plan includes:

Road Hazard Tire & Wheel: Repair or replacement of tires and/or wheels that are damaged due to road hazards on public roadways.

Cosmetic Wheel Repair: Repairs cosmetic damage to alloy or steel wheels. Includes abrasions, scratches and scrapes to the wheel or rim.

Key or Remote Replacement*:  Repair or replacement of damaged and inoperable, lost, or stolen keys/key fobs.

* Key Replacement not available to consumers who reside in WY

Paintless Dent Repair:   Repairs dents and dings on sheet metal body panels up to four inches in diameter.

Windshield Repair:  Repairs front windshield chips up to the diameter of a half dollar and cracks up to two inches long.

24/7 Emergency Roadside Assistance:

  • Towing
  • Fuel Delivery
  • Flat Tire Change
  • Battery Jumpstart
  • Lockout Service


  • Mechanical Breakdown Protection (MBP)

Drive with the peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures. In addition to repairing your vehicle, MBP provides services such as rental car allowance, 24/7 emergency roadside assistance and trip interruption. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired. Ask us how you can drive with the proper protection against costly repairs!

  • Debt Protection Program (DPP)

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment, you wouldn’t want your family to worry about making your loan payments. With Debt Protection, your loan balance or monthly loan payments may be canceled without penalty or added interest.

  • In the event of death, it cancels the remaining loan balance up to a maximum in the contract.
  • If you become disabled, it cancels up to a maximum number of loan payments based on the contract.
  • If you are involuntarily unemployed, it cancels up to a maximum number of loan payments based on the contract.


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