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Guaranteed Asset Protection (GAP)

All-risk protection.
Protects against financial loss in the event the vehicle is declared a total loss due to theft, collision, fire or any insured peril. The Program waives the difference between the outstanding loan balance as of the date of loss and the primary insurance settlement (some restrictions apply).

Program meets industry standards on LTV restrictions.*
125% LTV Program available for independent, non-franchised dealers.

Available for new and used vehicles.
There are no model or year limitations.

Available for motor vehicles (personal and commercial utilization).
Applies to autos, vans and light trucks less than 15,000 GVW.

Benefits are provided up to $50,000.
The amount waived on any one claim shall not exceed $50,000* in total.

Coverage for vehicles valued up to $100,000.
The maximum vehicle value is $100,000*, depending on vehicle eligibility guidelines at financial agreement inception.

Deductibles covered.*
Consumer deductibles up to $1,000 are automatically covered in the amount waived.

Limited exclusions.
Limited exclusions apply to salvaged vehicles, taxicabs and rare, exotic, unusual, limited production, one-of-a- kind, kit, customized or vehicles over 15,000 GVW. Standard conversion vans are covered.

Commercial utilization.*
A commercial utilization surcharge is required for motor vehicles used for business purposes (some restrictions apply).

Protection for past due payments.*
Coverage is provided for payments that are less than thirty (30) days past due at time of loss, standard loan/lease.

Protection fully insured.
Credit seller is insured by an A- (Excellent) A.M. Best-rated insurance company.

Cancellation provisions.*
Standard cancellation provisions include fully cancelable within thirty (30) days and thereafter cancelable with a pro-rata refund including a processing fee.

Simple, tiered pricing structure.*

Web-based environment.
An online solution is available at no charge and allows all contract origination, printing and reporting transaction elements to be performed from your desktop in a secure, web-based environment. All reporting and account edits can be transmitted online.


*Except as limited by program or state guidelines.

Frequently Asked Questions