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When you buy a new or used vehicle, there’s no way to know if it will be stolen or totaled in an accident.  And, many times primary auto insurance settlements don’t pay off your loan balance. 

In such an unfortunate incident, NIHFCU's GAP Plus coverage may help pay the difference between the amount covered by insurance and the amount still owed on your vehicle loan.

  • GAP Plus provides coverage of your vehicle for the full length of your NIHFCU vehicle loan
  • Great low rates (see below)! You may pay twice as much or more for GAP through your dealer or another lender

                        Motor Vehicle - just $299 *
                        Motorcycle - just $324 *
                        Recreational Vehicle - just $419 *

  • Easy payment options.  Pay full amount in one lump sum or include in your monthly loan payment for a competitive cost.  
  • If your vehicle is stolen or totaled in an accident, GAP Plus will also cancel $1,000 of your next auto loan with NIHFCU, when you purchase a replacement vehicle within 60 days of your primary insurance settlement.
  • GAP Plus is cancellable for a full refund within 90 days after enrollment

You can also click here to use our GAP payment calculator

To learn more about GAP Plus coverage, click here or contact our consumer loan department at 855.852.4748

Shopping for a new vehicle and great financing? 

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP.  If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. GAP-1062538.1-1114-1216

*As of December 1, 2014; subject to change without notice at any time