Loan Protection Options

Protect Yourself From the Financial Gap.

If your vehicle is totaled or stolen, your auto insurance may not cover the full amount you still owe on your loan. Guaranteed Asset Protection (GAP) helps protect you from that difference—so a vehicle loss doesn’t become a financial setback.

How GAP Works

In the event of a total loss or theft, GAP helps cover the difference between your vehicle’s insurance payout and your remaining loan balance. This protection can help prevent unexpected out‑of‑pocket expenses when you need it most.

In some cases, GAP may also cancel a portion of your next loan with your credit union when you finance a replacement vehicle.

Why Choose GAP?

• Helps protect you when insurance coverage falls short
• Shields you from sudden, costly financial gaps
• Easy to add to your vehicle loan
• Provides peace of mind for you and your family

Drive With Less Worry

Vehicle values can drop quickly, and insurance settlements don’t always match what you owe. GAP helps cushion the financial impact—so you can focus on moving forward with confidence.

Ask us how Guaranteed Asset Protection can help protect you today and tomorrow.

Forgot to put GAP on your loan?

Guaranteed Asset Protection offered through Allied is an optional product that may help cover the difference between your vehicle’s actual cash value and the remaining loan balance in the event of a covered total loss due to theft or accident. Coverage limits, eligibility requirements, conditions, and exclusions apply and are detailed in the Allied GAP agreement provided at enrollment.

GAP does not cover vehicle repairs, physical damage, missed payments, late fees, or other charges not outlined in the contract. Benefits may be reduced or unavailable based on factors such as loan status, insurance settlement amount, or claim circumstances.

GAP is administered by Allied. Our institution offers this product for convenience and can assist with general questions, but all benefit determinations and claim decisions are made by Allied in accordance with the terms of the agreement.

This product is optional, not required to obtain financing, and may not be available for all loans or vehicles. Customers are encouraged to review all program materials carefully before enrolling to ensure the coverage meets their needs.

Protect Your Investment. Protect Your Peace of Mind.

Depreciation Protection (DPW) is an optional vehicle loan protection product designed to help safeguard the equity you’ve invested in your vehicle. If your vehicle is ever totaled or stolen and not recovered at any point during the life of your loan, DPW can help relieve the financial burden.

How DPW Works

If a total loss occurs, DPW may waive some or all of your remaining loan balance. The benefit is calculated as the difference between your vehicle’s MSRP or retail value at the time DPW is purchased and your loan balance at the time of the total loss, subject to the DPW addendum limit and your outstanding loan balance.

Why Choose DPW?

DPW is ideal for drivers who:

• Put money down or have equity in their vehicle
• Make accelerated or extra loan payments
• Want protection from vehicle depreciation
• Value peace of mind knowing their vehicle investment is protected

Drive With Confidence

Vehicles depreciate quickly, and unexpected losses can leave you owing more than your vehicle is worth. DPW helps close that gap—so you can focus on getting back on the road, not worrying about the financial impact.

Ask us how Depreciation Protection (DPW) can work for you.

Forgot to put DPW on your loan?

The Depreciation Protection Waiver offered through Allied is an optional product designed to help protect the positive equity you have in your vehicle. In the event of a covered total loss, this waiver may help preserve the difference between your vehicle’s value and the amount owed on your loan, helping you avoid losing equity you have built through a down payment or early loan payoff.

Coverage limits, eligibility requirements, conditions, and exclusions apply and are outlined in the Allied agreement provided at enrollment. Benefits are subject to the terms of the waiver and may be reduced or unavailable based on factors such as loan status, vehicle condition, or claim circumstances.

This product is not insurance and does not cover vehicle repairs, physical damage, or routine depreciation over time.

The Depreciation Protection Waiver is administered by Allied. Our institution offers this product for convenience and can assist with general questions, but all benefit determinations and claim decisions are made by Allied in accordance with the agreement.

This product is optional, not required to obtain financing, and may not be available for all loans or vehicles. Members are encouraged to review all program materials carefully before enrolling to ensure the coverage meets their needs.

Protection for the Unexpected—On the Road and Beyond.

The Vehicle Protection Plan (VPP) is cosmetic coverage that aims to help protect you from the everyday, unexpected vehicle issues that can lead to costly out‑of‑pocket repairs. From road hazards to cosmetic damage, VPP offers comprehensive coverage and added peace of mind.

What VPP Covers

VPP includes protection for many common events that are not typically covered by a manufacturer’s warranty, including:

• Tires & Wheels – Repair or replacement due to road hazards on public roadways
• Keys & Key Fobs – Lost or stolen keys/key fobs (up to $800 per key, maximum of 2 keys)
• Wheel Cosmetic Damage – Coverage for alloy or steel wheel damage
• Minor Dents & Dings – Small cosmetic damage to sheet metal body panels
• Windshield Protection – Front windshield chips and cracks
• 24/7 Emergency Roadside Assistance – Help when and where you need it

Why Choose VPP?

• Helps protect you from paying out‑of‑pocket for common and often costly repairs
• Covers everyday damage that can happen at any time
• Complements your manufacturer’s warranty by covering items it often excludes
• Provides confidence and convenience throughout your ownership experience

Drive With Confidence

Life happens—and so do road hazards, lost keys, and cosmetic damage. With the Vehicle Protection Plan, you can focus on enjoying the drive knowing you’re protected from unexpected expenses.

Ask us how VPP can help keep you covered wherever the road takes you.

Forgot to put VPP on your loan?

The Vehicle Protection Plan offered through MemberCare includes optional cosmetic coverage that may help repair certain minor cosmetic damage to your vehicle, such as dents, dings, scratches, or interior blemishes, depending on the terms of the plan selected. Coverage limits, eligible repairs, conditions, and exclusions apply and are fully described in the MemberCare agreement provided at enrollment.

Cosmetic coverage is designed for appearance related damage only and does not cover mechanical failures, structural damage, collision related repairs, or damage caused by accidents, misuse, neglect, or environmental conditions beyond what is outlined in the contract.

All Vehicle Protection Plans are administered by MemberCare or its designated administrator. Our institution offers this product for convenience and can assist with general questions, but all coverage determinations, repair approvals, and claim decisions are made by the plan administrator according to the terms of the agreement.

This product is optional, not required to obtain financing, and may not be available for all vehicles. Members are encouraged to review all plan documents carefully to understand what cosmetic coverage is included before enrolling.

Drive Farther With Confidence.

The Route 66 Extended Warranty helps protect you from the high cost of unexpected mechanical breakdowns after your manufacturer’s warranty expires. Designed to keep you on the road and your budget intact, Route 66 coverage provides dependable protection for today’s complex vehicles.

What It Offers

• Coverage for major mechanical components that can be expensive to repair
• Protection that continues beyond the manufacturer’s warranty
• Access to a nationwide repair network
• Added benefits such as roadside assistance and rental reimbursement (varies by plan)

Why Choose Route 66?

• Helps reduce out‑of‑pocket repair costs
• Offers peace of mind as vehicles age and repairs become more frequent
• Flexible coverage options to fit your driving habits and vehicle needs
• Trusted protection designed specifically for vehicle owners

Protection That Goes the Distance

As vehicles accumulate miles, repairs can happen when you least expect them. A Route 66 Extended Warranty helps ensure you’re covered, so you can focus on the journey—not the repair bill.

Ask us how Route 66 coverage can help keep you moving with confidence.

Forgot to put Warranty on your loan?

Route 66 Extended Warranty Disclosures: Your purchase of Route 66 extended warranty is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for warranty. This information will include a copy of the Service Contract which will contain the terms and conditions of the warranty benefit. 

Route 66 Extended Warranty requirements, conditions, and exclusions: 

Coverage, terms, conditions, limitations, and exclusions vary by plan and are detailed in the warranty agreement provided at purchase.

All warranties are administered by a third-party provider unless otherwise stated. Our company offers these warranties for purchase and can assist with general questions, but all coverage decisions and claims are handled by the warranty provider according to the contract terms.

This warranty does not replace any manufacturer warranty and does not cover all repairs or conditions. Certain items, wear and tear, maintenance related issues, or preexisting conditions may be excluded.

Members should review all warranty documents carefully before purchasing to ensure the coverage meets their needs.

Protection for Your Loan When Life Takes an Unexpected Turn.

Debt Protection helps safeguard your loan payments if certain life events occur, such as death, disability, or involuntary unemployment. If you’re unable to work or experience a covered event, Debt Protection can help reduce or cancel your loan balance or payments—helping protect your finances and your family.

How Debt Protection Works

If a covered event occurs, Debt Protection may:

• Cancel some or all of your loan balance, or
• Cancel monthly loan payments for a defined period

Coverage varies by plan and helps ease financial stress when income is disrupted due to circumstances beyond your control.

What Events May Be Covered

Depending on the plan you choose, Debt Protection may provide coverage for:

• Life – Helps cancel your loan balance in the event of death
• Disability – Helps cancel loan payments if you’re unable to work due to illness or injury
• Involuntary Unemployment – Helps cancel loan payments if you lose your job through no fault of your own

These protections can cover events not typically addressed by traditional insurance.

Why Choose Debt Protection?

• Helps protect you and your loved ones from unexpected financial hardship
• Reduces or eliminates out‑of‑pocket loan expenses during difficult times
• Simple to add to your loan
• Provides peace of mind knowing your loan may be protected

Peace of Mind When It Matters Most

Life doesn’t always go as planned—but your finances don’t have to suffer. Debt Protection helps ensure your loan doesn’t become an added burden when you’re facing the unexpected.

Ask us how Debt Protection can help protect your loan—and your peace of mind.

Forgot to put Debt Protection on your loan?

TruStage Debt Protection is an optional product that may help cancel or suspend loan payments or reduce the loan balance in the event of a covered life event such as death, disability, or involuntary unemployment. Eligibility, benefits, coverage limits, conditions, and exclusions apply and are outlined in the TruStage Debt Protection agreement provided at enrollment.

TruStage Debt Protection is underwritten and administered by TruStage Insurance products and is not a deposit, obligation, or guarantee of the credit union or financial institution. Our institution offers this product for convenience and can assist with general questions, but all benefit determinations and claims decisions are made by TruStage according to the terms of the contract.

This product is not required to obtain credit and does not replace other insurance coverage. Coverage is subject to approval and may vary based on the type of loan and borrower eligibility. Members are encouraged to review all program materials carefully before enrolling to ensure the coverage meets their needs.