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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.

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GAP - theft and total loss accident coverage

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.

  • Spring Special – Costs of just $337.502 for motor vehicles and $4192 for motorcycles.

  • Pay upfront or roll cost into your loan payment…equating to just cents per day.

  • Deductible assistance available for comprehensive and collision claims.

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)

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.

  • Get reimbursed for travel expenses and car rentals

  • 24 hour emergency roadside assistance, including towing

  • Coverage up to 15 model years or 150,000 miles of add-on protection for eligible vehicles

  • Transfer the plan to a private party if you sell your vehicle

  • Choose from three levels coverage

  • Available on vehicles financed with NIHFCU or elsewhere

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

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:

  • Death

  • Disability, and

  • Involuntary unemployment.

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 20, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Programs vary by state. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid. Purchasing Loan Guardian protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.
2 GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP-3415621.3-0124-0226
25% reduced cost available during Spring Auto Loan Special Promotion. Auto loan application must be submitted between 4/1/2025 – 6/30/2025 and funded by 7/31/2025. Rates subject to change without notice at any time.
3 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
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 ©