GAP Protection
Protect Your Auto Investment
Don't get stuck paying for a car you can't drive—GAP Protection covers the difference when insurance falls short, includes up to $1,000 deductible assistance, and provides $1,000 toward your replacement vehicle.
What Is GAP Protection?
The Financial Safety Net Your Auto Insurance Doesn't Provide
New cars lose value the moment you drive off the lot, but your loan balance doesn't drop as quickly. If your vehicle is totaled or stolen, standard insurance only pays current market value—often thousands less than you owe. GAP Protection eliminates this financial gap, ensuring an accident doesn't leave you paying for a car you no longer have.
Covers the difference
Between insurance payout and loan balance.
Protects against depreciation
That outpaces loan paydown.
Eliminates remaining debt
After total loss claims.
Preserves your credit
By preventing loan default.
Affordable protection
You can add to your loan.
Because owing money on a totaled car adds insult to injury.
Real-World GAP Example
See How GAP Saves Thousands
Understanding GAP's value becomes crystal clear with real numbers. Consider this common scenario that plays out daily across America: your vehicle is totaled, insurance pays fair market value, but you still owe more on your loan. Without GAP, that difference comes from your pocket—with GAP, you walk away debt-free.
Example: if you owe $25,000 on your loan but receive a $20,000 settlement, you’d be left with a $5,000 balance. With GAP coverage, that remaining amount is taken care of. Additionally, GAP includes Deductible Assistance, which refunds up to $1,000 of your car insurance deductible per incident.
One accident, $6,000 in savings—that's GAP's power.
Deductible Assistance Benefit
Get Money Back When You Need It Most
Beyond covering loan shortfalls, GAP Protection helps with immediate out-of-pocket costs through Deductible Assistance. This often-overlooked benefit refunds up to $1,000 of your insurance deductible per incident—money that stays in your pocket during an already stressful time. You can even use this benefit twice in a 12-month period.
Up to $1,000 refunded
per insurance claim
Use twice per year
for multiple incidents
No waiting period— immediate coverage
Works with any deductible amount
Direct payment
to ease financial stress
Turn your deductible from expense to refund.
GAP Advantage Replacement Benefit
$1,000 Toward Your Next Vehicle
The stress of losing a vehicle extends beyond paperwork—you need reliable transportation immediately. GAP Advantage provides $1,000 toward your replacement vehicle when financed through DFCU within 120 days. This benefit applies even if your insurance fully covers your loan, making every GAP policy valuable regardless of your equity position.
$1,000 credit
toward replacement vehicle financing
120-day window
to use after settlement
Must finance through DFCU for benefit
Applies even with full insurance coverage
Helps with down payment on next vehicle
From total loss to fresh start—we've got you covered.
Comprehensive Member Benefits
Protection That Goes Beyond Basic Coverage
GAP Protection from DFCU isn't just about covering loan balances—it's comprehensive financial protection designed for real-world scenarios. From protecting your credit score to providing replacement vehicle assistance, every aspect addresses the cascading financial impacts of total vehicle loss.
Prevents loan deficiency
from affecting credit
No out-of-pocket cost
90-day full refund
ff you change your mind
Add anytime
Low-cost protection
Complete protection for your complete peace of mind.
Don't Let Depreciation Leave You Stranded With Debt
Every day you drive without GAP Protection is a day you risk owing thousands on a vehicle you can't use. With coverage this comprehensive and affordable, protecting yourself from financial gaps just makes sense. Get your free quote and discover how little it costs to eliminate a major financial risk.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.