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Help protect the value of your vehicle with Guaranteed Auto Protection (GAP). While auto loans are calculated to amortize at a constant rate, your vehicle value can decline rapidly during the first few years of ownership. In some cases, it is possible you can owe more on your auto loan than the vehicle is actually worth. This is especially true during the first three years of your loan and it’s called “being upside down” on your loan.


GAP is designed for both new and used vehicles. GAP coverage goes into effect when you need it the most – when your vehicle is stolen and isn’t recovered or is in an accident and can’t be repaired. GAP covers the difference between your primary insurance settlement and the payoff of your loan. GAP can also cover your insurance deductible, up to $1,000. This terrific coverage can be added for a one-time payment of $350 or can be added to your loan without increasing your monthly loan payment.


Purchase of GAP is voluntary and will not affect your application for credit or the terms of any existing credit agreement you have with us. GAP is not an offer of insurance coverage and is not a substitute for collision or property damage insurance, does not provide general liability coverage, and does not fulfill the requirements of state laws requiring motorists to maintain insurance coverage. Eligibility requirements, conditions, and exclusions could prevent you from receiving benefits under GAP.

Call us today to sign-up for GAP.