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System Upgrade

We are currently in the process of upgrading our system to enhance your experience. During this time, you will not be able to access your online or audio account information and both locations will be closed Saturday, May 18th. We apologize for any inconvenience this may cause and thank you for your patience and understanding. 


Guaranteed Asset Protection

Did you know that, in most cases, your vehicle is worth a lot less the moment you drive it off the lot? Protect the investment you’ve made in your vehicle with guaranteed asset protection (GAP)!

What is GAP?

Guaranteed Asset Protection is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision or liability coverage. GAP waives the difference between your primary insurance carrier’s settlement and the payoff of your loan.*

In other words, it protects the “gap” between your vehicle’s value and the amount you still owe in the case it is damaged beyond repair or stolen and never recovered.

How Does GAP Work?

Depending on where you live, the established market value of your vehicle could be less than the actual balance you owe. In the event of a total loss or theft, GAP waives the difference between your primary insurance carrier insurance settlement and the payoff of your loan or lease, minus delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.** Included in the deficiency balance is the deductible up to $1,000.00.

*Less delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

**Subject to other applicable exclusions and limitations.

GAP disclosures

Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum, which will contain the terms and conditions of GAP benefit.

There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, terms and conditions of the program.

This document is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage.

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