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Guaranteed Asset Protection (GAP) makes the difference

If you have a total loss accident, or your vehicle is stolen, our GAP Plus2 coverage may help pay the difference between what insurance will cover and the amount you still owe on your NIHFCU loan.

Our program, with rates way below those commonly found at dealers or other lenders is an incredible value.

  • Costs of just $3953 for motor vehicles and $4193 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

  • $1,000 canceled off your next NIHFCU auto loan when you purchase a replacement vehicle within 60 days of your primary insurance settlement.

Don’t get fooled into paying hundreds more at the dealer.  Check out this video and then give us a call!

Call us
1-800-877-6440
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Mechanical Repair Coverage (MRC) 4

Mechanical Repair Coverage

As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket, costs for covered breakdowns.

Research, compare and you can take advantage of, where you can take advantage of:

  • Convenience – easy-to-use, 24/7 online shopping experience

  • Customer service – expert service through a dedicated call center

  • Monthly payments – through a convenient monthly payment plan that fits your budget

Speak to a Specialist
1-866-566-8173
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Protect your loans with NIHFCU Loan Guardian

NIHFCU Loan Guardian is available to protect your credit card, auto or personal loan from continuing payments and debts following, unexpected life events including

  • Death

  • Disability, and

  • Involuntary unemployment.

Depending on the situation, Loan Guardian could even cancel your remaining payments up to the contract maximums.1 Check out this video to learn more:

Call us
1-800-877-6440
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 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
3 Rates as of June 1, 2021; subject to change without notice at any time
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. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.
5 Rental reimbursement: up to $35/day for 5 days (up to an additional 5 days for a verifiable parts delay) from day one.
6 24-hour emergency roadside assistance: up to $100/occurrence. Includes towing, battery jump, fluid delivery, flat tire and lock-out service.
7 Travel reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.