
We know that unexpected can happen at any time. Fortunately, the NIHFCU offers a great range of affordable options designed to protect your assets and your family…and help you gain some peace-of-mind.

GAP - theft and total loss accident coverage |
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If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your load and what your auto insurance will cover. GAP may help make up the difference. Our program, with rates typically less than those found at dealers or other lenders, is an incredible value.
Don’t pay more than you have to for GAP. View our digital brochure and then call us at 1-855-852-4748 to speak to an auto loan specialist. |
Mechanical Repair Coverage (MRC) |
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Mechanical Repair Coverage 3 may help limit unexpected, covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs. What’s more, it can be used at any authorized repair facility in the continental United States of America, Alaska, Hawaii, and Canada.
Protect against the costly repairs!3 View our digital brochure and then call us at 1-855-852-4748 to get coverage that is right for you. |
Protect your loans with Loan Guardian |
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NIHFCU’s Loan Guardian is available to protect your NIHFCU credit card, auto or personal loan from continuing payments and debts following unexpected life events such as:
Depending on the particular situation, Loan Guardian could even cancel your remaining payments up to the contract maximums.1 Protect your financial well-being. Visit our digital brochure and then call us at 1-855-852-4748 to speak to a specialist and learn more about protecting your NIHFCU loans. |
Rates, fees and terms as of April 30, 2025 and subject to change without notice
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. MRC-3415612.4-0324-0426 ©