Protect Your Ride
Coverage That Goes the Distance With You
A new set of wheels is a big step, and we want you to enjoy every mile of it. That’s why we offer two optional layers of protection, GAP and an extended warranty, that can soften the financial blow if your vehicle is ever totaled, stolen, or sidelined by a surprise repair. Add them when you finance with us, and hit the road knowing you’ve got backup.
GAP Protection
Did you know? If your vehicle is totaled or stolen, your insurance pays what the vehicle is worth today, not what you still owe on your loan. Since vehicles lose value quickly in those first few years, that can leave a gap between the two numbers. GAP is optional protection that covers the difference, so a total loss doesn’t leave you paying for a vehicle you can no longer drive.
Covers the Gap
If your vehicle is totaled or stolen, GAP helps pay the difference between your insurance settlement and what's left on your loan.
Helps With Your Deductible
GAP can reimburse the portion of your deductible tied to the loss, up to $1,000.
Add It When It Works for You
You can include GAP when you finance, or add it later, as long as you haven't already had a total loss.
A Head Start on What's Next
Finance your next vehicle with us within 90 days of a paid claim, and you may receive up to $1,000.
Why Protection Matters
Life happens, even to careful drivers and well-built vehicles. These two optional protections are here so an accident or an unexpected repair stays a bump in the road instead of a budget-buster. Here’s what that peace of mind looks like.
Peace of Mind
Drive knowing that a total loss or a major repair won’t catch you financially off guard.
Protect Your Budget
Keep a surprise expense from turning into months of stress by planning for it now.
Protect Your Progress
Stay on track with your loan and your credit, even if the unexpected happens.
Extended Warranty
Your vehicle's factory coverage doesn't last forever, and repairs only get pricier as the miles add up. An optional extended warranty (also called mechanical breakdown protection) helps cover the cost of major repairs once the manufacturer's coverage runs out. You pick the plan that fits your vehicle, and if something breaks down, you're covered for the parts and systems that keep you moving.
Choose the Coverage That Fits
Every vehicle is at a different stage of life, so we offer three levels of protection. Your lending team can help you match the right one to your vehicle’s age and mileage.
Easy Street
Our top-tier, factory-style coverage for newer, lower-mileage vehicles, built to feel a lot like the protection you had when the vehicle was brand new.
Main Street
A well-rounded plan for vehicles with a few more years and miles, covering a wide range of major systems.
First Street
Drivetrain-focused coverage with no year or mileage limit, a smart fit for older or higher-mileage vehicles where the big-ticket parts matter most.
Adding Protection is Easy
Ready to ride with a little more confidence? Here's how simple it is to get started.
- Talk with your lending team and we will explain your options
- Pick the protection that makes sense for your vehicle, your miles, and your budget.
- We’ll roll your coverage right into your financing, so there’s nothing extra to juggle.
- Hit the road knowing you’ve got backup if you ever need it. And if you do, we’re only a call away.
FAQs
Not at all. Both are completely optional and never a condition of getting your loan. They’re simply here if you’d like the extra protection.
Yes! You can add GAP anytime, as long as you haven’t already had a total loss. Keep in mind it isn’t retroactive, so coverage begins the day you add it and applies to your remaining balance and term.
GAP can help with the portion of your deductible tied to the loss, reimbursing up to $1,000. Your lending team can explain how that works for your situation.
No, GAP stays with the specific loan and vehicle on your original agreement and can’t be transferred to a new one.
It helps pay for repairs to major mechanical systems after your factory coverage ends, like the engine, transmission, and more. Exactly what’s included depends on the plan you choose, and the full list lives in your service agreement.
There’s no deductible on covered repairs. You also get nationwide coverage and 24/7 roadside assistance with every plan.
You have flexibility here. Just have the shop contact the plan administrator for approval before any work begins, and you’re good to go anywhere in the country.
Yes, coverage can transfer to a new owner, which can be a nice selling point if you decide to move your vehicle along.
GAP and extended warranty coverage are optional products and are not required to obtain a loan or any other product or service. This page is a summary provided for informational purposes only. It is not a contract, and it doesn’t list every condition, limit, or exclusion. Complete terms are contained in each agreement.
Coverage, eligibility, pricing, benefit limits, and available plans vary by vehicle type, age, and mileage. Please speak with a lending representative and review your agreement for full details before purchasing.
Not NCUA/NCUSIF/FDIC Insured.