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Vehicle Loans with Competitive Rates and Local Expertise
Your vehicle is more than just transportation — it's your ticket to independence and adventure. We offer loans tailored to a variety of vehicles to fit your lifestyle and budget, with competitive rates, personalized terms, and the convenience of a local lender committed to your financial goals. Enjoy exceptional member service and fast, local loan decisions.
New and Used Vehicles Whether you're eyeing a brand-new or reliable used car, we've got financing options to fit your budget.
Boats and Personal Watercraft Ready to make waves? Finance your dream boat or personal watercraft with us and hit the water with confidence.
RVs and Campers Embark on your next adventure with an RV or camper. Explore the open road in the comfort of your own home on wheels.
Airplanes Take to the skies with our specialized airplane loans. Achieve your aviation dreams with competitive rates and terms.
Loan & Asset Protection: Protect your investment with Mechanical Breakdown Protection (MBP), Guaranteed Asset Protection (GAP), Auto Deductible Reimbursement (ADR), Depreciation Protection, and Credit Insurance options.
Ready to start your next adventure? Enjoy the convenience of applying online for a vehicle loan today, and benefit from exceptional service and quick loan decisions!
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP) is optional coverage1 for your vehicle loan that safeguards you from negative equity in the event of a total loss. GAP covers the difference between your outstanding loan balance and the vehicle's actual cash value, ensuring you don't owe more than your insurance settlement.
GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower's primary insurance carrier settlement in the event of a total loss or unrecovered theft.2
The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to 125% of the loan-to-value (LTV). GAP may also cover up to $1,000 of your deductible if there is a "gap" after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. This product is not available in NY or AK.
GAP Coverage Example
Item
Amount
Your Vehicle Loan Balance
$15,000
Your Insurance Company Settlement
$10,000
Remaining Balance Without GAP
$5,000
Total You Owe Without GAP
$5,000
Total You Owe With GAP
$0
GAP also covers up to $1,000 of your deductible if there is a gap after the primary insurance settlement.
Auto Advantage
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Our GAP program includes Auto Advantage! When you purchase GAP from Guardians CU, the primary borrower and co-borrower also receives Auto Advantage, which includes Auto Deductible Reimbursement (ADR) at no additional cost.
The covered borrower(s) may be reimbursed their deductible for any loss covered by the borrower's auto insurance policy for all their non-commercial passenger cars, trucks, or vans.
ADR Benefit Requirements are Simple
All vehicles are covered that are owned (title, registration, or loan documents) and insured by the primary borrower and co-borrower.
Only four-wheel, non-commercial passenger vehicles (cars, trucks, vans) are covered. ADR does not cover motorcycles, boats, and RVs.
A claim can be filed if the paid claim exceeds the borrower's deductible and has been approved and paid by the borrower's primary auto insurance. This includes comprehensive and collision claims and requires repairs to be made.
