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Loan Protection

Options for protecting your future.

Connect with a Loan Specialist at (503) 275-0300 option 2 for details on these products.

Guaranteed Asset Protection - GAP Plus

With the purchase of MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) Plus, you're helping to protect your vehicle investment against a possible financial loss.

  • Pays off your loan balance if an accident results in the total loss of your vehicle.
  • $1,000 credit towards USACU financing of a replacement vehicle if purchased within 120 days.

Mechanical Repair Coverage - MRC

MEMBER'S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years.

  • Good at any authorized repair facility in the U.S. or Canada
  • No out of pocket expense at time of mechanical repair (exceptions apply)
  • Transferable coverage

Debt Protection (MEMBER'S CHOICE™ Borrower Security)

Life events (injury, job loss, etc.) can cause financial hardship, making loan payments difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

  • Waive your loan payment(s), up to contract maximums.
  • Get relief from the financial burden of a protected life event.

Get Started:

Connect with Lending Services for a quote or info on all your Loan Protection Needs
(503) 275-0300 option 2
loans@usacu.org

Your purchase of MEMBER'S CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact Lending Services, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. DP, GAP, MRC-1107939.1-0115-0317.
MEMBER'S CHOICE Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER'S CHOICE Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. DP, GAP, MRC-1107939.1-0115-0317.
Your purchase of MEMBER'S CHOICE Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of MEMBER'S CHOICE Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP, GAP, MRC-1107939.1-0115-0317.