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Guaranteed Asset Protection (GAP)

If your car is stolen or totaled in an accident, most auto insurance policies only cover the vehicle’s Blue Book value, and you’re left to pay the difference between what your car is worth, and what you still owe. GAP may cover any remaining balance between your insurance settlement and your outstanding loan.

GAP can be added to new or used vehicle loans. It covers losses up to $100,000 and insurance deductibles up to $1,000. It's available on loans originally financed for 100% or more of the car's value, and for loan terms of up to 84 months. In addition, GAP Advantage provides members with a credit of up to $1,000 towards the financing or lease of a vehicle, acting as a down payment, if the loan is funded by Accentra. You can add GAP to your loan when you purchase your car, or call us at 800-233-2328 to add it to an existing loan.

Accentra is the only financial institution in our area that includes Auto Deductible Reimbursement (ADR) as an additional benefit to our GAP offering. ADR pays members back up to $500 of their deductible for an accident involving any vehicle titled to that member. ADR can be paid twice a year for the first three years, for a total possible benefit of $3,000.

GAP is available for all vehicles, motorcycles, ATVs, boats, RVs, and more. See a Financial Services Representative for more information today.