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GAP Coverage

Don’t Let a Wreck Wreck Your Wallet

If your vehicle is totaled or stolen, your insurance payout may not cover what you still owe on your loan. That’s where Guaranteed Asset Protection (GAP) from Community Focus Federal Credit Union comes in. GAP can wipe out or reduce the difference between your insurance settlement and your remaining loan balance—keeping your finances safe when life takes an unexpected turn.

And it’s not just for cars! GAP covers light trucks, motorcycles, ATVs, snowmobiles, and even certain types of personal watercraft.

Why Members Choose GAP with CFFCU

  • $50,000 Maximum Benefit – big protection for big peace of mind
  • Up to 84-Month Loan Term Coverage – long-lasting security
  • Covers up to 10 Skipped Payments during your loan term
  • $1,000 Replacement Vehicle Credit when you finance your next ride with CFFCU
  • Deductible Assistance up to $500 when your vehicle is damaged but not totaled

Ask us about adding GAP protection when you finance your next vehicle—it’s affordable peace of mind you can count on.

GAP - Quick FAQs

Yes—insurance pays the current value of your vehicle, but not necessarily your full loan balance. GAP may cover that shortfall.

No! GAP can protect loans for new or used cars, trucks, motorcycles, ATVs, snowmobiles, and even some watercraft.

The best time is when you finance your vehicle through CFFCU, but you may be able to add it later.

Peace of mind. GAP can save you thousands if your vehicle is totaled or stolen—and even gives you $1,000 toward your next CFFCU-financed vehicle.