Loan Protection

Your loans protected. Your peace-of-mind ensured.

Our loan protection programs, and insurances, offer you and your loved ones security!

In calling my insurance company I realized they were going to only cover $20,000 of my remaining $23,000 loan that I had financed with the vehicle. This left me with $3,000 I would have had to continue to pay on for a vehicle that was totaled. This however was not the case thanks to my GAP and ADR coverage.

- Chris C.

Credit Life & Disability Insurance

Apply during the loan application process or after your loan closing!

If you apply during the loan application process, your premium will be included in your monthly payment
If you apply after closing your loan, you'll have to provide evidence of good health in order receive coverage if it has been 30 days since closing

Credit Life Insurance

Designed to reduce or pay the insured balance of your loan if you die during the term of your loan.

Credit Disability Insurance

Designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work at any time during the term of you loan.

Benefits:

Family's financial security
Your credit rating
Ensures your loan won't end up in default in the event of your disability or death

*Note: This advertises the following Group Credit Insurance Policy Forms: Minnesota Mutual XXX-4000 series, and Minnesota Life MHC-XX-4000 series and XX-60000 series as well as any applicable state variations.

Eligibility

You can usually obtain Payment Protection up to the age of 65 and even up to the age of 70 in some states. Also, a medical exam is usually not required, although, general health questions may be asked. Your insurance becomes effective as soon as your loan is finalized.

Guaranteed Asset Protection (GAP) with Auto Deductible Reimbursement (ADR)

GAP
If your car is totaled for any reason, the amount of reimbursement you receive from your insurance company may be substantially less than the amount you owe on your car loan. GAP insurance can cover this financial shortfall, or gap. Otherwise, you could be left owing thousands of dollars. Coverage can be conveniently included in your loan payment for affordable protection. With GAP, members receive $1,000 towards their new GSCU auto loan if financed within 90 days from total loss of the covered vehicle.

Auto Advantage
When purchasing GAP, we will provide you with the complimentary Auto Advantage Plan which includes the Auto Deductible Reimbursement (ADR) benefit and other valuable services*. The Auto Deductible Reimbursement will reimburse you up to five hundred dollars ($500) per Loss (UNLIMITED losses per year). Filing your claim is simple and easy through the online claims website! Ask your loan representative to learn more.

File Your Claim

*Auto Deductible Reimbursement (ADR) is one benefit of the Auto Advantage Program. Other benefits include Personal ID Resolution Consulting and Warranty Vault™

Mechanical Breakdown Protection (MBP)

MBP or Extended Warranty
Protection against mechanical breakdowns beyond your existing manufacturer's warranty. Get the most comprehensive coverage for your car, truck, SUV, motorcycle, or ATV, at a discounted rate from your credit union.

Although you should consider refinancing your existing auto loan with GSCU, you do not need to have a consumer loan with us to qualify for this extended warranty offer.

NO Deductible
24/7 Roadside Service (365 days a year!)
Rental Car Benefits
30-Day Money Back Guarantee
Nationwide Coverage
Fully Transferable!

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