You can still receive coverage even if your vehicle is not totaled in an accident. Up to $500 of your deductible can be covered per occurrence for the first 3 years.
In the event of a Total Loss, Constructive Total Loss, or Unrecovered Theft to the Eligible Collateral, you may be eligible to receive an additional credit from us when you finance through Heartland Credit Union.
Heartland offers the same or greater coverage than what other financial institutes can offer, often for a lower price, saving you money.
Could cover up to $50,000 in losses
With Guaranteed Asset Protection, you receive the difference between your car's value and how much you owe on the vehicle loan, up to $50,000, to help you buy a replacement.
Claims managed by Heartland
We can help gather documents and start the claim process to save you time and stress while you determine what vehicle replacement options you want to explore.
Cost rolled into loan
You can avoid two separate payments by adding the cost of Guaranteed Asset Protection into your loan's monthly payment.
We appreciated how nice Greg was and that he took the time to get us the best rate possible. We would definitely consider Heartland for our future loan needs.
Protect new and used vehicles
GAP helps protect against financial losses if your insurance isn't able to cover your loan balance in the event of a total loss.
Cover up to 150% LTV
No need to stress if your vehicle loan exceeds your car's worth. You may be able to cover the remaining balance on your loan so you can focus on finding a new or used replacement.