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Vehicle Protection Programs

Life is unpredictable. Protect your loan with one of our loan protection options.

Learn more about Auto Loans

Or call 1-800-621-2105

Guaranteed Auto Protection (GAP)

Covering the gap between what you owe and what your car is worth.

In the event your vehicle is “totaled” or stolen, your primary insurance company settlement can be significantly less than the outstanding balance on your loan or lease. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for you. Guaranteed Auto Protection (GAP) covers the loan balance that your primary insurance carrier did not cover.


  • Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
  • Covers primary insurance deductible up to $1,000 (not available in all states)
  • Protection provided for the term of your auto loan — up to 90 months
  • Available for new and used auto purchases -- no model, mileage, or year restrictions
  • Has a 60-day money back guarantee


GAP Advantage is add-on coverage that pays an additional $1,000.00 toward the purchase or lease of a replacement vehicle.

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Mechanical Breakdown Protection (MBP)

Get nationwide protection and 24-hour roadside assistance.

Mechanical Breakdown Protection (MBP), also known as an extended warranty, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible.


  • Covers repair costs for covered auto components
  • Can be used for new and used vehicle purchases
  • Includes 24-hour emergency towing and roadside assistance and rental car reimbursement assistance
  • Protects your vehicle nationwide
  • Is transferable if you sell your vehicle before your MBP expires


  • You have a car with higher mileage that needs extra protection
  • You want to reduce the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical or electrical failure
  • You want peace of mind that your investment in your vehicle is protected

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Debt Protection

Allows your loan payment to be put on hold without penalty.

Debt Protection helps relieve the financial stress and worry related to making payments when your life takes an unexpected turn. Your loan payment will be cancelled without penalty, added interest, or being reported as delinquent to the credit bureau should a covered loss occur.


  • Designed to help you in a time of financial need
  • Protects you from defaulting on your loan by canceling your loan payments for covered events
  • Covered events may include death, disability, and involuntary unemployment
  • Available for any Elements loan with less than a 120-month term, except for mortgages and student loans
  • Single and/or joint coverage is available on protected events (as defined in the Debt Protection Agreement pertaining to your loan type)


  • You want to protects your family's financial security and your credit rating during uncertain and stressful times
  • You want peace of mind about making some or all loan payments should an unforeseen life event occur

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