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Protect More Loans

An unexpected hardship should never threaten your members’ dreams. Lending products help safeguard dreams. Here's how!


Newly purchased vehicles depreciate immediately when they’re driven off the dealer’s lot; unfortunately, members’ loan balances don’t diminish as quickly.

GAP helps your members prepare for the unexpected. When a vehicle is stolen or totaled in an accident, GAP is designed to help eliminate the depreciation amount, or the difference between the primary insurance settlement and the amount still owed on the protected vehicle loan. Learn more.

To learn more complete this form or call 800.798.0770.

Americans Are Revving Their Engines in the Auto Market

With a record $886 million in outstanding auto loans—and growing—it’s time for you to take advantage of big changes to our GAP program that members want and need. CUNA Mutual Group's choice-driven GAP and GAP with ADR offer your lending officers and members more options and more control—more than any other provider.

Key Benefits

  • Business-building benefits. Minimize risk and expense related to delinquencies and charge-offs; generate non-interest income; pricing that flexes with your lending practices, such as variable loan-to-value ratios (maximum 150%)

  • Comprehensive credit union support. Quick, collaborative implementation; product education and training; online claims submission and inquiry; compliance expertise; regulatory advocacy and more

  • Flexible program parameters for members. NO exclusions for Wear and Tear, Excess Mileage or Prior Damage; NO time limit to file claims; design your program to suit your members’ needs; GAP Waiver Agreement in question/answer format to help members understand this protection

  • Greater efficiency for you. Easily calculate protection options; quote and issue protection using the web-based Protection Advisor® point-of-sale tool; choice of NADA or Kelley Blue Book valuation without wholesale pricing difference; credit unions using Lender Development Program® techniques experienced 13.7% growth in GAP Waiver Agreements**

Find valuable product information, educational opportunities and compliant member-facing marketing materials here.


*AAA Newsroom, April 28, 2015. **CUNA Mutual Group Internal Reports, December 2015. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, and its subsidiaries.