GAP PROTECTION

Protect your vehicle loan with GAP Plus

Vehicle loan protection for when your auto insurance may not cover your vehicle replacement.

Call us Today 800.421.7111 and select option “1”
Dad and Daughter

Benefits of GAP Protection

GAP may reduce or even eliminate the shortfall between what your vehicle insurance will cover and what you owe on your loan if your vehicle is deemed a total loss. GAP Plus: Can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

GAP infographic

Find out if GAP Protection is right for you

Our loan representatives can help you determine if GAP is right for you, and even help add it to your existing vehicle whether you financed it with us or not.

Call us Today 800.421.7111 and select option “1”

GAP Protection Calculator

Visualize the difference between your loan balance and your car’s estimated value (ACV).
Vehicle & Loan
Depreciation (Estimated ACV)
These are simple estimates to illustrate how a vehicle’s value can drop faster than a loan balance early in the loan.
GAP Coverage Assumptions
Results
Amount financed
$—
Estimated payment
$—
Peak “gap” (max)
$—
Months with gap
—
Balance vs. Estimated Value
Loan balance Estimated value (ACV) “Gap” area
Total loss preview (selected month)
Month
—
Loan balance
$—
Estimated ACV payout
$—
Out-of-pocket without GAP
$—
Estimated GAP benefit (capped)
$—
Remaining out-of-pocket after GAP
$—
This is a simplified illustration: real claims vary by policy, insurer, state, loan contract, and what’s covered/excluded.
Show month-by-month table
Mo Payment Balance Est. ACV Gap (Bal − ACV)
Disclosure: Educational estimator only. Not a quote, offer, or contract. Assumes standard amortization and a simplified depreciation curve. Insurance claim amounts and GAP coverage depend on your auto insurer, GAP provider, and contract terms.

GAP Insurance Disclosure: GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. © TruStage GAP-3415672.3-0124-0226

Tools and Calculators Disclosure:

The information, content, tools, links, articles, calculators, and resources provided on this website are intended for educational and informational purposes only. They are designed to help individuals and families make informed financial decisions but should not be considered financial, legal, tax, investment, or professional advice.

While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, accuracy, reliability, suitability, or availability of any content or third-party materials referenced on this site

Any links to third-party websites, products, services, or applications are provided as a convenience for educational purposes. These external resources are not owned, operated, controlled, endorsed, or guaranteed by the credit union unless explicitly stated as an official product or service offering. The credit union is not responsible for the content, security, availability, or privacy practices of external websites or third-party providers.