Protect your finances from a worst-case vehicle scenario
With a lower cost and greater coverage than competing options, Heartland can help cover financial losses you may face if your car is stolen, totaled, or badly damaged in an accident.
Deductible reimbursement
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.
GAP Advantage
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.
Lower cost
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.
Save money on your deductible after an accident
Although GAP coverage is great for covering vehicle theft or a total loss, it can also help you if your car can still be repaired. Up to $500 of your collision insurance deductible can be covered for each instance for up to 3 years. This can usually cover the initial GAP coverage cost and save on your deductible while you focus on getting your car repaired.
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.
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Accept or request GAP coverage
At the time of your loan closing, accept the offer to add Guaranteed Asset Protection or fill out our form.
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Speak with us
Work with one of our experienced lenders to determine which level of coverage you want.
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Enjoy the protection
Experience peace of mind knowing your vehicle has additional protection to help you in the unfortunate event of an accident or theft.
Give your vehicle the best protection possible
With Guaranteed Asset Protection, costs that arise from a vehicle theft or major accident are covered so you can find a replacement vehicle faster.
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All features
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.
Add GAP to Auto Loan
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