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In the event of a total loss due to collision or theft, GAP covers the difference between the insurance settlement and the outstanding loan balance.


It is common for a member to owe more on their vehicle than its currently worth. In the event of a total loss, insurance settlements do not pay off loans – they only pay the 窶彗ctual cash value窶 of the vehicle at the time of loss. This could leave the member with an unpaid loan balance on a vehicle they can no longer use. GAP protects the member窶冱 investment, and your collateral by covering the difference.


Unlike traditional GAP programs that have blended rates to manage loss, we offer fully customizable programs to match your exact book of business. This gives you the ability to offer your members an exact rate for their particular situation.

Additional benefits include GAP Plus which pays $1,000 towards a new or used vehicle if financed through your credit union, and Auto Deductible Reimbursement which pays the member up to $500 to cover insurance deductibles.

Coverage Options
Maximum MSRP $125,000 or $150,000
Maximum Losses Waived $50,000
Maximum Term 96 Months
Insurance Deductibles Up to $1,000
Skip/Delinquent Payments 2 to 5
Claims No Reporting Limit
Refund Factor Pro-Rata or Non-Cancel
Coverage Levels Standard or Wear & Tear
GAP Plus $1,000
ADR Included

KEY or REMOTE REPLACEMENT: Replacement of lost, stolen or destroyed keys or remotes.

WINDSHIELD REPAIR: Repair chips and cracks caused by propelled rocks or road hazard debris while driving on public roads, streets, and highways.

DING & DENT REPAIR: Removes door dings and minor dents without harming a vehicle窶冱 factory finish. (in most cases)

TIRE & WHEEL (RIM) REPAIR: Repair or replacement of punctured, cut, flat tires and wheels due to road hazards or pot holes. Includes cosmetic repair of wheels (rims).

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7047 E. Greenway Parkway Suite #450 Scottsdale AZ 85254