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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
VISIT A BRANCH
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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
Visit a Branch

Rates, fees and terms as of December 6, 2023 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 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 subject to change without notice at any time.