Vehicle Loan Center

Guaranteed Asset Protection Plus (GAP PLUS)

Accidents Happen. Minimize the blow with GAP Plus protection.

There could be a big difference between what your insurance will pay and what you owe on your loan.

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you are still liable to pay the difference, or the "gap," between your insurer's settlement and your loan balance. Unfortunately, that gap will come out of your pocket for a vehicle that, no longer exists.

Advantages

  • GAP Plus is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance.
  • GAP Plus can save you from making loan payments on a car, truck, or other vehicle that's beyond repair, or stolen and not recovered.
  • GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle, where allowed by law, and when financed by the Justice Federal Credit Union.

Fully Refundable

GAP Plus is fully refundable if you cancel the coverage within the first 90 days.

Enrollment

You may enroll in GAP Plus when you apply for your vehicle loan or by contacting us at 800.550.5328.

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Important Legal Disclaimers and Information

Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and 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 your loan amount 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. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP-2454851.1-0319-0421 ©2019 CUNA Mutual Group, All Rights Reserved.

*APR = Annual Percentage Rate. Rate as of September 1, 2020 and subject to change without notice. Annual percentage rate may be higher based on past and present credit performance. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan.

**Down payment may be required based on creditworthiness. 100-115% financing not available to all applicants.

***Interest will continue to accrue.

124 monthly payments of $42.73 per $1,000 borrowed. Other rates and terms available.